This is the third and final installment of the three part podcast series Dealing with Debt. For an introduction to this topic, we suggest you check out "Dealing with Debt I: Understanding and Managing Debt After Graduation" and for tips on what not to do, check out "Dealing with Debt II: What not to do". Understanding how not to handle debt is an ideal introduction to managing your debt.  Many new graduates, even those with dental school loans exceeding $150,000, will become practice owners within their first three years after graduation.  This is true as long as they avoid the common mistakes of many new graduates.The average practice owner earns three-to-four times as much income as an employed dentist.  Therefore, your school debt will best be handled by significantly increasing your income.  Furthermore, very few new dentists can earn enough money as an associate to pay against their student loans and still maintain anything but a minimal standard of living.