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


Three-time finalist for Best Personal Finance Contributor at the Plutus Awards


Student loans, credit scores, personal loans, banking, education planning


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

How to Transfer Student Loans to Another Lender

You can transfer your student loans to another lender through a refinance or consolidation.

Does Refinancing Student Loans Hurt Your Credit?

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

Best Small Student Loans

Small student loans can be used for various reasons like buying books, getting a new laptop, covering living expenses, and more.

How to Get Rid of Sallie Mae Loans

If you want to get rid of Sallie Mae loans, you can do so. Just make sure it's for the right reasons.

Should Married Couples Consolidate Student Loans?

Consolidating student loans with a spouse can reduce the total amount of interest you owe,...

Refinance Dental School Loans

Find out whether or not you should refinance dental school loans. If you should, we include a few lenders worth considering.

Current Student Loan Interest Rates

The Department of Education’s current student loan interest rate is a fixed rate between 4.99% and 7.54%. Private lenders, which offer fixed and...

Flight School Loans

Student loans for flight school are available, although there aren’t as many options as with a four-year degree from a college or university....

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...

Citibank Student Loans

Citibank stopped offering student loans in 2010. We'll explain what happened, what existing borrowers should know, and where to find alternative lenders.