Generate a full detail guide on strategies for paying off student loans faster. The guide should be informative and relevant to the current year (2025). It must include sections on: 1. The benefits of making bi-weekly payments instead of monthly. 2. How to use the Debt Avalanche method if you have multiple loans with different interest rates. 3. A guide to understanding if refinancing is a good option for you. 4. A brief overview of current federal repayment plans and forgiveness programs. Please include a disclaimer to check official government resources for the latest information.