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! 

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. 

Course Layout:

Interested? Here are the modules and what you'll learn from this 20-day course:

  • Why Be Debt Free? 
  • Money and Your Emotions
  • What You Earn
  • What You Owe
  • How to Cut Your Expenses
  • Lower Your Rates
  • Earn More Money
  • Credit Reports
  • Refinance
  • Snowball vs. Avalanche
  • Choose the Debt Repyment Plan for You
  • Emergency Fund
  • What to do with Extra Money
  • How to Budget
  • Set Your Goal
  • Learn About Taxes
  • Automate Your Debt Payoff
  • Learn to Invest
  • Reach Other Goals
  • Celebrate!

See what one coaching client said about how I helped her pay off her debt in four months:

 "Having had a loan derail my financial stability, I sought out Zina's help to help me figure out a way to pay off my debt as quickly as possible. She was extremely patient with me and offered simple, practical tips to create big gains. So thankful for her assistance and recommended her help and services to many of my friends." - Lauren 

See what others have to say about being debt free:

"Being debt-free has completely changed my life. I have the freedom to be spontaneous, say "Yes" more to fun and "No" to certain jobs that aren't right for me. I have more financial balance and pay for my future, instead of my past. Getting out of student loan debt was the best thing I ever did for my life and my finances."

- Melanie Lockert, Author of Dear Debt: A Story About Breaking Up With Debt, who paid off $81,000 in student loans in five years

"[Paying off my student loans] was the best decision I've ever made, even though it was difficult at the time. Being debt free has helped us in so many ways and it has allowed us to reach for our dreams knowing that we aren't tied back due to debt. We now run a successful business, travel full-time, and live one heck of a great life. I highly recommend that others seek financial freedom and get rid of their debt as well!"

- Michelle Schroeder-Gardner of Making Sense of Cents, who paid off $40,000 in student loans in 7 months 

About Me

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!


I'm already struggling with my student loan payments - why should I spend money to pay off my debt?

Going through the course material and implementing what you've learned will enabe you to shave THOUSANDS of dollars off of your student loan interest repayment. The ROI (return on investment) is there, but requires some skin in the game on your end.  

Can't I find all this information for free?

Yes, probably. But have you? If you haven't already found and implemented the information online (including a step-by-step plan), what's going to motivate you to do so now? 

Not only does this course include 20 bite-sized videos worth of information (delivered straight to your inbox), it also comes with a private Facebook group where you can talk to other people going through the same thing, at the same time.

What will this course give me that I can't find anywhere else?

Two words: Community and Accountability.

This course isn't just abut learning how to pay off your student loans - it's about having a plan and a community of people who are doing it alongside you! 

Will it really take me only 20 days to go through the entire course?

Yep! Each day for 20 days, you'll get a video delivered to your email inbox. I don't want you to become overwhelmed, I want you to get through this course and implement everything you'll learn. 

Now, your debt repayment will take longer than 20 days. But the initial time investment will enable you to build a solid foundation to launch your debt repayment plan off of. And the Facebook group will ensure you stay accountable and make progress over time.

Start your debt free journey TODAY!

$49 - Gold Package

You'll Receive:

  • 20 daily video lessons delivered via e-mail
  • Worksheets and printables to guide you through the course 
  • Access to a private Facebook group with other members

$75 - Premium Coaching

You'll Receive: 

  • 20 daily video lessons delivered via e-mail 
  • Worksheets and printables to guide you through the course
  • Access to a private Facebook group with other members
  • PLUS, a 30-minute coaching call with me where I'll answer any questions you have and help personalize your debt free journey

© 2015 | Zina Kumok