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

College Ave vs. Ascent Student Loan Comparison

In this comparison, we’ll compare College Ave and Ascent private student loans and tell you...

Supplemental Student Loans

There are two main kinds of supplemental student loans you can use. We explain the differences and similarities, below.

How Much Can You Take Out in Private Student Loans?

Learn about private student loan limits and why you shouldn't always borrow as much as...

How to Choose Student Loans

When choosing a student loan, you should maximize all federal options before seeking private loans. Here’s how to get started.

How Many Student Loans Can I Take Out?

Before taking out student loans, understand both the annual and total limits of both federal and private student loans.

Does Refinancing Student Loans Hurt Your Credit?

Refinancing your student loans can lower your credit score, but the potential savings and temporary...

Credit Union Student Loans

Credit unions may be able to offer student loans with better terms than traditional banks. We’ll review several popular credit unions and the...

TD Bank Student Loan Alternatives

TD Bank doesn’t offer student loans in the United States. Instead, it offers a line of credit in Canada. For U.S. students, consider...

American Express Student Loan Alternatives

While you can’t get a student loan directly from American Express, here are some popular alternatives to consider.

U.S. Bank Student Loans: Why the Program Ended and How It Impacts Borrowers

U.S. Bank ended its student loan program. We'll explain why that happened and what alternatives...