Zina Kumok is a personal finance writer and speaker with a background in financial literacy, student loans, credit scores, and investing. She's a three-time nominee and finalist for Best Personal Finance Contributor at the Plutus Awards. Zina paid off $28,000 in student loans in three years. Holding a bachelor's degree in journalism from Indiana University, she has worked for newspapers, magazines, and wire services. Her byline has appeared in Indianapolis Monthly, the Commercial Appeal, and the Associated Press, and as an expert, she's been featured in the Washington Post, Forbes, Fox Business, and Time. Additionally, Zina is a Certified Financial Health Counselor and Student Loan Counselor.