While using a student loan payoff calculator is a helpful way to develop a repayment plan, there are also other strategies that can help graduates pay off their student loans faster. One strategy is to make extra payments whenever possible, such as using bonuses or tax refunds to make additional payments. Graduates can also consider refinancing their loans to a lower interest rate or consolidating multiple loans into one loan to simplify the repayment process. Another strategy is to consider enrolling in an income-driven repayment plan, which adjusts the monthly payment based on the borrower's income and family size.