One could argue that December is the most festive month of the year. Religious holidays are observed, vacations are taken and students have a respite from their school and course work. December 21st is the longest night of the year and marks the beginning of longer daylight hours. It is a month that marks the end of one year and the beginning of the next – a time for resolutions and a promise of new experiences. Celebrations abound, it is easy to forget that December also marks the end of the grace period and the beginning of student loan payments for those (like myself) who graduated 6 months earlier.