For those who graduated college this past spring, the clock is ticking toward the end of the student loan grace period: All of their loans will become "due and owing" starting in November and December. That's going to be tough for some borrowers, since the class of 2011 likely faces "the highest unemployment rate for young college graduates since the Great Recession began," according to an analysis by the Economic Policy Institute
. So what should these recent grads do if they can't afford to start making those payments yet? DailyFinance's
Laura Rowley asked John Ulzheimer, president of consumer education for SmartCredit.com, to discuss their options.