STRESSED ABOUT STUDENT LOANS? FEEL LIKE YOUR BALANCE NEVER GOES DOWN?
I can help!
Hi, my name is Zina Kumok and in 2011, I graduated college with $28,000 in student loans.
I hated being in debt and wanted to pay off my loans as quickly as possible.
Even though I never earned more than $30,000 a year, I paid off my student loans in three years.
Why I Paid Off My Student Loans Early
When I made my first student loan payment, I couldn't believe how much went to interest. I felt so disheartened.
But then I learned that paying just $10 extra each month (all I could afford at the time) could help me shave ONE YEAR off of my student loan repayment plan.
From there, I started putting all of my extra money towards my loans and learned everything I could about how to pay them off as fast as possible. I made plenty of mistakes, but in November 2014, I BECAME DEBT FREE!
I'm Zina and I created this course to walk you through the exact steps I took to become debt free. And this step-by-step guide will lead you down the path to debt freedom too!
Going down this road by myself was scary, but you don’t have to go it alone. Let me walk with you and show you what I learned to pay off my student loans in just three years.
I’ve been debt free for over two years now and it’s literally changed my life. My husband and I moved across country and started working for ourselves full-time. We work from home, in our PJs with our dogs at our feet. None of that would be possible if I still had student loan debt.
Becoming debt free will change your life too! It will allow you to switch careers, start a new business or travel the world. Trust me, becoming debt free will give options you never knew you had!
Can I really pay off my student loans early?
Yes - it’s possible! I paid off my student loans while only earning $30,000 a year.
And here’s the thing...
- I didn’t live with my parents.
- I didn’t get a second job.
- I didn’t eat Ramen every day.
Looking at me, you wouldn’t have guessed I was putting almost half of my take-home pay toward my loans. I’m not gonna lie, I dress kinda cute. ;-)
I didn’t have anyone showing me how to pay off my loans early.
I did it all by myself - through trial and error. I learned how to track my spending, find ways to enjoy myself on the cheap and put all of my extra dollars toward my debt.
I didn’t have a finance background or a rich boyfriend... I just wanted to be debt free.
StartMoney and Emotions (5:05)
StartWhat You Earn (5:46)
StartWhat You Owe (6:20)
StartCut Your Expenses (11:35)
StartLower Your Rates (5:44)
StartEarn More Money (8:01)
StartCredit 101 (11:19)
StartRefinance Your Student Loans (7:00)
StartSnowball vs. Avalanche (5:47)
StartPayment Plans (7:06)
StartEmergency Fund (6:17)
StartSet Your Debt Payoff Goal (6:44)
StartAutomate Your Savings (5:10)
StartSaving for Retirement (6:16)
StartPaying Off Other Debt (4:05)