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 Are Uncertified Student Loans?

If you need to borrow more to cover education-related costs, you can turn to uncertified student loans.

Capital One Student Loan Alternatives

Capital One does not offer student loans. We'll review some popular alternative student loan lenders below.

Low-Interest Student Loans

Keeping your student loan interest rate low helps limit the total cost of your loan. Federal student loans offer standardized rates that are...

Best Law School Loans

Law school loans are offered by the federal government and private lenders. We've reviewed your best options below.

Best Adult Student Loans

Going to college can be expensive, but adult students have several financing options. Grants, scholarships, loans, and employer benefits can all help you...

How to Buy a House With Bad Credit: Compare Your Home Loan Options

Having bad credit doesn’t disqualify you from getting a mortgage. First-time home buyer programs like...

What Credit Score Do I Need for a Student Loan?

The credit score you need for a student loan will vary by lender. We'll show...

Which Student Loans to Pay Off First

Knowing which student loan to pay off first is crucial. The right one can save you thousands in interest over the long term.

Student Loans and Divorce: What Happens to the Debt?

Divorcing while you have student loans can be difficult to manage, and the outcomes vary...