Zina Kumok is a freelance writer specializing in personal finance. A former reporter, she has covered murder trials, the Final Four and everything in between. Her advice has been featured in Lifehacker, DailyWorth and Time. She paid off $28,000 worth of student loans in three years at Conscious Coins.
By Zina Kumok
By Zina Kumok and Jamie Birdwell-Branson