advice given to one grad with $99,000 in nursing school loans! karenfrom boston globe money makeover:by [color=#2851a2]lynn asinof globe correspondent / april 25, 2010 three-part strategy should ease nurse’s student-loan debt recommendations from financial planner deborah levenson:■ make sure to make all loan payments on time. then use surplus income, tax refunds, and any financial windfalls to pay off loan principal, starting with the highest-interest loans first. ■ build up a $10,000 emergency fund by automatically depositing $500 a month into an online interest-bearing account. ■ contribute 5 percent of annual salary to her retirement plan in order to take advantage of a generous employer match. ■ use a personal finance program such as [color=#2851a2]mint.com or quicken to create a budget and start tracking spending.