Zina Kumok Profile Photo

Zina Kumok

Zina Kumok is a personal finance writer dedicated to explaining complex financial topics so real people can understand them. As a former newspaper reporter, she has covered everything from murder trials to the Final Four.

About Zina Kumok

Current Role

Personal finance writer


  • Student Loans
  • Credit Scores
  • Personal Loans
  • Banking
  • Education Planning


  • Three-time Finalist For Best Personal Finance Contributor At The Plutus Awards


  • Bachelor's degree in journalism from Indiana University

Personal Finance Experience

Zina has been a personal finance writer for almost a decade. In that time, she has written for prestigious publications and household brands.

She has also worked as a financial coach helping real consumers tackle their loans. She paid off her student loans in three years and documented the progress on her blog.

Latest from Zina Kumok

What Is a HELOC Modification Agreement?

If you’re struggling to afford your HELOC, a HELOC modification agreement may allow you to change your monthly payment.

What Is a HELOC Early Disclosure?

HELOC early disclosure forms are crucial. We explain how to read the form and ensure you don’t miss anything.

Central Pacific Bank Home Equity Review

Central Pacific Bank offers a home equity line of credit for homeowners in Hawaii. We researched interest rates, terms, pros and cons, and...

Utah Community Credit Union Home Equity Review

Utah Community Credit Union offers a home equity line of credit to homeowners in certain...

Keybank Home Equity Review

We researched Keybank’s home equity loan and HELOC to help you figure out whether one of these products is right for you.

Flagstar Bank Home Equity Review

We compared Flagstar’s home equity loans and home equity lines of credit so you can decide whether this lender is right for you.

College Ave vs. Earnest: Student Loan Comparison

Choosing between College Ave and Earnest can be a hard decision. That’s why we broke...

Student Loans for Low GPA

Each college is allowed to set its own standards for satisfactory academic progress, including the minimum GPA required to obtain student loans.

Student Loans for Single Mothers

Single mothers can get federal or private student loans to fund a college education. Here are the requirements and considerations for each.

Income-Based Student Loans

Income-based repayment has only been available for federal loans—until now. Find out how private income-based student loans work, and if they're a better...