Exclude travel allowance from your salary. This will reduce your taxable income. In addiiton to this you can invest upto Rs 100,000 either in Life Insurance, PPF, NSC, fixed deposit with bank and claim further further reduction, says Vikas Gandhi.

Consolidate student loans only if it's right for you (USA Today)
If you don't consolidate your student loans by Oct. 1, you may pay higher interest rates and fees for your loans, and your hair will fall out.