College is an exciting time, and one of your primary helpers during college will be your academic advisor. Your advisor will help you determine what classes to take, how to plan your college career and how to tackle life away from home.

However, one thing that your advisor may also try to help you take on is funding your college education. Please note: your advisor means well. It is highly unlikely to virtually impossible that many of the "malicious advisor" myths about lenders paying of academic advisors are true. These people have your best interests and your educational success at heart in nearly every case.

While you are in college, you may find that there are many temptations. Often, student succumb to peer pressure and elect to drink to excess. They may neglect their studies, or cheat on tests in order to get by. These are all fairly common issues, and they are dealt with in great deal by all the people who are present to help you prepare for college.

These people include your parents, your high school guidance counselor and your teachers. Once you are in college, there are still people in place to look out for you, and the primary holder of that role is your academic advisor.

However, there is one temptation that academic advisors often overlook, underestimate or simply ignore.

That temptation is "The Student Loan Trap."

While you are in college, you will experience many new things. One of the best parts of college is learning about different areas of life than you may have been exposed to before. Many people find their lifelong passions in college, and transform those passions into successful careers.

But what if your passion is philanthropic in nature? This can make a career difficult. After all, you probably have tens of thousands of dollars in student loans, and founding a charity may not be the profit center that it appears on many reality shows today. Three to six months after you graduate, a little coupon book will appear in the mail -- and you better be prepared to start repaying your student loan debt.

Fortunately, you may be able to find a solution.