Personal finance blogger Zina Kumok graduated from Indiana University saddled with $28,000 in student-loan debt, $350 in minimum monthly payments and a $28,000 annual journalism salary. She struggled financially, but paid off that debt well before most people by making sacrifices and saving every penny she could. Kumok is now on a mission to spread the word about smart money management — especially to young people who are just starting out on their financial journey. In her latest column for KWHS, Kumok considers the (gulp) community college option.
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