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

Best Medical School Loans

When taking out medical school loans, you should start with federal loans and then fill the gap with private loans. Here are your...

Parent PLUS Loan Repayment

You can choose from several repayment plans for Parent PLUS loans. We’ve researched to help you compare all the options before choosing one.

Non-Degree Seeking Student Loans

Non-degree programs can help you broaden your horizons and increase your income. You can access federal and private loans, although you may have...

Best Student Loans for Nurses

The Department of Education and private lenders offer student loans for nurses. Here are the best options.

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...

FHA Streamline Refinance

An FHA streamline refinance is a way to get a lower monthly payment or lower interest rate on an FHA home loan. Learn...

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...