Consolidate your government loans within six months of graduating to grab a 2.82 percent rate. Go to loanconsolidation.ed.gov, salliemae.com or the bank that loaned you the money.

If you’ve been dumped from your parents’ health-insurance plan, buy temporary coverage from goldenrule.com or fortishealth.com.

Shoot a resume over to Disney, Enterprise Rent-a-Car or Geico, three big employers of new grads this year. Or you could just apply to grad school.