On top of caring for patients in a profession that’s often short-staffed and overworked, many U.S. nurses have another issue to worry about: student debt. The average nurse has $44,393 in student loan debt and a $399 monthly payment, according to data from NerdWallet’s partner Credible, a student loan refinancing marketplace. That’s substantially higher than the $28,950 average student loan debt for the class of 2014, according to an October 2015 survey from the Institute for College Access and Success. When it comes to paying back that debt, the best repayment option for nurses depends on the type of student loans — federal or private — and where the nurse works.