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How They Ditched Debt
Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make financial decisions without hesitation. And while our site doesn't include every business or financial product available on the market however, we're confident of the advice we provide and the information we offer and the tools we develop are independent, objective simple, and completely free. How do we earn money? Our partners compensate us. This could influence which products we review and write about (and the way they appear on our website), but it in no way affects our advice or suggestions which are based on thousands of hours of research. Our partners do not pay us to guarantee favorable ratings of their goods or services. .
How They Split Debt
The people who tamed debt did so in their own way. Check out their tales to guide your own debt-payoff journey.
Written by Amrita Jayakumar Writer The Washington Post Amrita Jayakumar was a former special-assignment writer for NerdWallet. She also wrote a syndicated column on millennials and money, and wrote about personal loans and consumer credit as well as debt. In the past, she worked as a reporter at The Washington Post. Her work has appeared in newspapers such as the Miami Herald and USAToday. Amrita has a master's degree in journalistic studies from the University ofMissouri.
Written by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Previously, she spent 18 years at The Oregonian in Portland in capacities such as chief of the copy desk and team director of design and editing. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in mass communications and journalism in The University of Iowa.
The majority or all of the products featured here come from our partners who pay us. This impacts the types of products we feature and where and how the product appears on the page. However, this does not affect our opinions. Our opinions are our own. Here's a list and .
How Two Teachers & Two Teachers raked in More than $53,000
Jae Bratton and her husband
This rumor about children being cost-conscious? Fact! That's the reason Jae Bratton and her husband an educator who is also a friend, focused on paying off their debts over the three years prior to the birth of their first child.
From $20K to $0 in 5 years and 8 Steps
Photo by Jonathan Sharpe
It took some years -and nearly every trick in the book -to enable Kenley Young to wipe out more than $20,000 of the credit card debt. In that time Kenley Young learned a lot about how pay-down dreams can collide and the realities of big life events. Now a NerdWallet editor, the author reveals what tools made the most influence on his path to zero.
Achieving a goal can lead to Helping Others
Photo courtesy of Sandra Leigh Photography
The gift of a book about personal finances prompted Holly Carey to get serious about understanding and wiping out her debt. She learned about zero-based budgeting, and cut back on expenses whenever possible, like moving in with a roommate. After squeezing out more than $55,000 in 26 months, she felt compelled to share her advice with family and friends -which eventually led to the position of editor at NerdWallet.
Pandemic After Payoff Tests Couple's Resilience
Just months before the COVID-19 epidemic struck across the United States, Anthony and Jhanilka Hartzog settled the final $114,000 in debt. They'd devised their own budget that was beneficial to their needs, created new income streams and exploited a less expensive cost of living after a move to New York to Dallas. We checked in with their family two years after the move and asked if the Hartzogs successful in avoiding debt even in the midst of a global pandemic that strained the budgets of numerous families? What advice do they have for others hoping to ditch debt of their own?
The Home is being remodeled, and the Business is growing the business
In the event that job loss slowed household incomes for Karen as well as Sylvester Akpan, the couple made the bold choice to sell their house in the Los Angeles area and purchase an RV. They focused on growing their travel blog and an associated Instagram account, and were able to pay off their debt in an entire year. Their story is unique, but points to an underlying truth: reducing expenses and increasing income leaves more cash to pay off debt.
Making the Right Choices with a Budgeting for Baby
Former Zookeeper Steffa Mantilla says she did not employ any animal-training techniques to get her husband on board with a debt reduction plan.
Though she could have convinced him to stay, the Houston couple have paid off over $70,000 of debt over five years. Planning for a baby was the catalyst for their money makeover.
Cutting small expenses was is a Major Goal
Refinancing student loans was the start of the process of paying off Neal and Laura Fogarty. They then searched for ways to cut costs to make sure they could use every penny they could spare towards removing debt. They were able to pay off $36,600 in eight years.
Rebounding from Bankruptcy
Rashad and Nirvanna Muhammad carried the burden of student loans and financial difficulties when they got married and started a family. After experiencing a bankruptcy, they narrowed their focus and made the sacrifices necessary to pay off $179,000 in just under four years.
Maintaining a "Passion for Fashion on the Road to Repayment
The promise of a fresh beginning in her lifewith a house and a family -- inspired Caitlin Forni serious about paying down her debt. Caitlin Forni paid out $123,000 worth of student and car loans in nine years.
A Spender, a Saver and dreams of a family
As Kendall Berry and her husband began to plan for children, they got serious about repaying their debt. Here's how they ditched nearly $54,000 in less than an entire year.
"Happiness Journey" Fueled Payment
(Photo taken by Abby Bengs)
After accumulating more than $200,000 in student loans for law school, Okeoma Moronu decided that she wanted to take a purposeful approach to her finances and life and paid off her debt in six and one-half years.
From 'Extravagantly Broke' Comfortably Frugal
DeShena Woodard, a nurse from Texas was a nurse from Texas. She had no savings and lived from paycheck till payday until the day she changed her habits and completed the repayment of more than $50,000 over the course of three years.
Little Splurges along the Path to Freedom
Brian as well as Lindsey Baldwin wiped out $130,000 in student loans in under four years. And they still had a few treats for their families during the process.
Small wins help in achieving a Big Dream
Bernadette Joy as well as AJ Maulion paid down student loans and two mortgages, a whopping total of $309,800, while building a small business. The secret recipe is simple: live on one income Celebrate small wins.
Whipping Up a Payoff 'Tornado'
If Steven Donovan didn't want to put his debt data into a budget app and he was aware of the need to take action. The challenge of tackling his debt that he hated the most led him to pay off $118,000 in five years.
"I Just Pretended That I Didn't have Money'
Sarah McGowan's goal: Be free of student loans by the time she turned 25. By maintaining a frugal lifestyle right out of college and working every chance she could, McGowan got rid of a little over $36,000 in debt in less than two years.
"It made our marriage so Strong'
(Photo taken by Amelia Campbell Photography)
Ray Bailey Robertson and Bailey Robertson paid off over $33,000 over the course of 18 months due to an aggressive strategy, a lean lifestyle, close partnership, and lots of planning.
Redefining 'Best Life,' The Scaling Back
Sonia Sears ended up deep in the red while pursuing her "best life" throughout college and beyond. However, she was able to conquer her debts by working harder, traveling less and moving back home. She was able to pay off $79,000 over two years.
The Frugal Lifestyle is Kicking into High Gear
Ben as well as Melissa Panter were always frugal however, when they were faced with an enormous mortgage and increasing students loan balances, they knew they had to put their budgeting into high the gears. The Panters have paid off $117,000 in nearly four years.
Side Jobs, Meal Planning and Faith
(Photo by Brok as well as Amanda Hansmeyer)
Teachers, Jamie and Jenna Griffin were overwhelmed by students loans. They relied on the budget and work hard to pay off over 100,000 in just five and one-half years.
How to Make the most of the gig economy
(Photo taken by Shane Henderson)
Kara Perez doubled down on part-time employment for the purpose of paying off her student loans that totaled $25,302 in three and one-half years.
Holiday bills can break a couple's budget
Christmas gifts added on top of existing debt persuaded Anthony Hartzog and his wife to pay off $114,151 over 23 months.
The Thrifty Living along with Side Gigs
Through careful budgeting, working full-time and supplementing her income, Tanya Nwamkpa paid off $57,000 in five years.
"We are given Choices And Again'
Their finances started to skid after a job loss in 2009. Despite a few blunders, Adam and Sally Cleary were able to get out of over $11,000 in high-interest debt.
Conquering College Credit Card Balances
Natalie Tomko aimed to pay off $50,000 credit card debt by her 30th birthday. It took her six years, a plan for hardship and support from the community to achieve it.
Change in Habits, Budgeting for a Baby
After they discovered a baby was due to arrive The Baggerlys overhauled their carefree spending and started budgeting, and two kids later, have paid off $111,108.
Smart Solutions for 'Stupidest Decision'
Cameron Merriman used $95,000 to pay off worth of student loan debt over five years, while living in one of the most expensive cities in the United States.
'It Became Like a Game to Us'
Josh and Jessie Boyce paid off $147,000 in debt in just more than three years, after realizing that debt was holding them behind in their financial goals.
An Olympian's Medal-Worthy Juggling Act
John Coyle's loan of $147,000 was used to pay for his Olympics campaign, and after landing a six-figure gig, Coyle paid it off over 15 years.
Continuous Concentration on the Goal
A recent college grad Samantha Ealy paid off more than $70,000 in under three years -- working multiple jobs and, at times, neglecting her health.
The process of becoming a budget obsessive
A mix of student loans and an auto loan and credit card debts, and home improvement financing left the Browns $72,000 in debt, forcing them to create a budget.
Engineer Goes Old-School With Pen and Paper
Despite receiving scholarship money, Brianna Harrington graduated college with $40,000 student loan debt. Determined to pay it off her debt, she made a budget that was strict that would pay off the debt over 26 months.
Refraining from Pride and asking for Help
Jesse Nuno was laid off during the recession and was in debt on a loan for a mortgage as well as auto loans. Cara was unable to pay her bills due to disability. The couple turned to a credit counselor to pay off $272, 261 over the course of five years.
A Wish List Kept Her Going
(Photo from Jim Gion, 2015)
Melanie Lockert resolved to wipe off $57,426 of debt. She encouraged herself to do so by writing wish lists of things she'd be able do when she was debt-free.
"Born Spender' Goes on a Spending fast
Anna Newell Jones entered married life with nearly $24,000 of debt. She was forced to spend fast and paid it all off in 15 months.
New Parents Stop Credit Cards
Lydia Senn and her husband pretended they weren't deep in debt until they were expecting their first child. Being a thrifty couple, working part-time jobs, and budgeting allowed them to pay off $36,000 in less than two years.
Grad Gives Gift to her Future Self
Ogechi Igbokwe did not want to become another students loan statistic. To prepare herself for success, she lived frugally and paid off $26,000 within three years.
Financial Goals for Families Are Family Goals
Newlyweds Nicole as well as Andy Hill saw debt as an obstacle to reaching their goals. The couple turned budgeting into routine and erased more than $50,000 in debt in a single year.
No Sleep for New Parents Till Payoff
Chelsea as well as Nate Day ended up owing her family $52,000 due to an unintentional purchase. The family debt left the Days uncomfortable and they cut their expenses to settle it in six months.
Homemade Tracker Kept Her Cooking
Food writer and chef Stephanie Stiavetti racked up debt to pursue her culinary dream. She knew it was a fact that, if they didn't adjust to a more relaxed lifestyle, she'd end up burdened with debt of $64,000 for the rest of her life.
Newly Single, 'I Knew I had to help myself'
At age 25, Carrie Smith Nicholson found herself divorced and $14,000 in debt. She realized that she would need to get an extra job, cut down on spending , and get herself out of the hole.
The process of obtaining an education through student loans
After graduating from college, Kara Stevens found herself in the middle of student loans and credit card debt. Once she educated herself on credit card debt Stevens determined to take on the issue head-on and pay off $65,000 over six years.
Additional Payments became her obsession.
When Jackie Beck lost her job and was forced to struggle to cover the cost of food and rent She was forced to face her bills. Beck became obsessed with tiny payments and paid off $147.106 over a period of 10 years.
Making the most of Cents
At the age of 23, Michelle Schroeder Gardner graduated from three colleges she was married and had bought the house she wanted. The graduate had $38,000 student loans and decided that she'd take it out as fast as she could.
Money under 30
David Weliver didn't tackle his $80,000 debt until he had to make the difficult decision of paying rent or a credit card bill. He consolidated debts, reduced the price of living and took on a second job to pay off the debt in three years.
Lauren Greutman
Lauren, a spender, was ashamed of letting her husband Mark, a saver, be aware of how poorly she had managed the family's finances. When she acknowledged the problem and altered her spending habits, she paid down $40,000 in two years.
Money Peach
Chris Peach and his wife Andrea had a rough time when they used up all their credit cards and couldn't pay for their groceries. Peach is a firefighter through education, followed a step-by-step approach for paying off the $52,000 over seven months.
Debt Discipline
Brian Brandow had his debt revelation as a father-of-three children had to inform his family there'd be no vacation this year. The Brandows had exhausted their credit cards. They used a debt-management plan to pay off the balance of $109,000 over the course of four years.
Cait Flanders
In her early 20s, Flanders racked up debt totaling more than $30,000 after saying "yes" to every purchase. Through a careful eye on expenses and cutting down on unnecessary purchases, she was able to pay the balance off in two years.
Active Budgeting Pays Off
Being newlyweds and recently graduated with a debt of $20,000, Johnny and Joanna Galbraith were determined to create an action plan to be out of debt. They paid it off within 1.5 years.
My Shiny Nickels
Laura Dobbins and her family resided in a luxurious house with all the trappings of wealth, but they were nearly $40,000 in debt. They cut back on their spending and began to save, and within less than two years had become debt-free.
Intelligent Spending, Dedication
Zina Kumok was a college graduate with $24,000 of students loan debt. But since she was making the equivalent of $28,000 in a year, she decided she had to get serious about the debt. It was paid back over three years.
The Family CEO
Julie Mayfield and her husband faced 18 years of debt -- which amounted to $59,000 -- to help fund their daughter's first year of college. They put any extra money they had toward debt and then paid it off in 22 months.
'Monster Payments'
Amanda Page graduated with $48,500 in student loan debt. Ten years later, after realizing she'd paid off less than $1,000 of her debt and was unable to pay it off, she began taking on additional work and used a strategy of making "monster installments" to pay off the debt within 14 months.
Penny Pinchin"Mom
Before marriage, Tracie Fobes declared bankruptcy to get rid of debt. When she and her husband were expecting their very first son, they'd accrued an additional $37,000. Discussions about money lead them to repay it in less than two years.
Queen of Free
Cherie Lowe, along with her husband Brian were carrying more than $127,000 in debt spread across payday loans, medical bills and student loans. After the birth of their son, they prompted changes in their lifestyle and they became debt-free within four years.
The Budgetnista
(Photo from Tinnetta Bell.)
Tiffany Aliche was saddled with $57,500 in graduate student loans, $40,000 in credit card debt and the sum of $200,000 due to a mortgage that was in default. She moved back home and switched to an all-cash lifestyle to pay it off.
A Wallet that is well-kept
Deacon Hayes and his wife Kim utilized the debt to finance their lives. In the event that they were in debt and were living from paycheck for paycheck, they realized they had to take action. The Hayes paid it off within 18 months.
His and Her Money
When they were newlyweds, Talaat and Tai McNeely had different financial habits and about $30,000 in debt. They had a single income and used the rest to repay their debts within one year.
Debt Free Guys
John Schneider and David Auten had years of experience in the field of financial services however, they managed to accumulate $51,000 of the credit card industry. They cut back on their spending, made use of a balance transfer and paid it off in 18 months.
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About the author: Amrita Jayakumar is a former writer for NerdWallet. She has previously worked for The Washington Post and the Miami Herald.
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Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make financial decisions without hesitation. And while our site doesn't include every business or financial product available on the market however, we're confident of the advice we provide and the information we offer and the tools we develop are independent, objective simple, and completely free. How do we earn money? Our partners compensate us. This could influence which products we review and write about (and the way they appear on our website), but it in no way affects our advice or suggestions which are based on thousands of hours of research. Our partners do not pay us to guarantee favorable ratings of their goods or services. .
How They Split Debt
The people who tamed debt did so in their own way. Check out their tales to guide your own debt-payoff journey.
Written by Amrita Jayakumar Writer The Washington Post Amrita Jayakumar was a former special-assignment writer for NerdWallet. She also wrote a syndicated column on millennials and money, and wrote about personal loans and consumer credit as well as debt. In the past, she worked as a reporter at The Washington Post. Her work has appeared in newspapers such as the Miami Herald and USAToday. Amrita has a master's degree in journalistic studies from the University ofMissouri.
Written by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Previously, she spent 18 years at The Oregonian in Portland in capacities such as chief of the copy desk and team director of design and editing. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in mass communications and journalism in The University of Iowa.
The majority or all of the products featured here come from our partners who pay us. This impacts the types of products we feature and where and how the product appears on the page. However, this does not affect our opinions. Our opinions are our own. Here's a list and .
How Two Teachers & Two Teachers raked in More than $53,000
Jae Bratton and her husband
This rumor about children being cost-conscious? Fact! That's the reason Jae Bratton and her husband an educator who is also a friend, focused on paying off their debts over the three years prior to the birth of their first child.
From $20K to $0 in 5 years and 8 Steps
Photo by Jonathan Sharpe
It took some years -and nearly every trick in the book -to enable Kenley Young to wipe out more than $20,000 of the credit card debt. In that time Kenley Young learned a lot about how pay-down dreams can collide and the realities of big life events. Now a NerdWallet editor, the author reveals what tools made the most influence on his path to zero.
Achieving a goal can lead to Helping Others
Photo courtesy of Sandra Leigh Photography
The gift of a book about personal finances prompted Holly Carey to get serious about understanding and wiping out her debt. She learned about zero-based budgeting, and cut back on expenses whenever possible, like moving in with a roommate. After squeezing out more than $55,000 in 26 months, she felt compelled to share her advice with family and friends -which eventually led to the position of editor at NerdWallet.
Pandemic After Payoff Tests Couple's Resilience
Just months before the COVID-19 epidemic struck across the United States, Anthony and Jhanilka Hartzog settled the final $114,000 in debt. They'd devised their own budget that was beneficial to their needs, created new income streams and exploited a less expensive cost of living after a move to New York to Dallas. We checked in with their family two years after the move and asked if the Hartzogs successful in avoiding debt even in the midst of a global pandemic that strained the budgets of numerous families? What advice do they have for others hoping to ditch debt of their own?
The Home is being remodeled, and the Business is growing the business
In the event that job loss slowed household incomes for Karen as well as Sylvester Akpan, the couple made the bold choice to sell their house in the Los Angeles area and purchase an RV. They focused on growing their travel blog and an associated Instagram account, and were able to pay off their debt in an entire year. Their story is unique, but points to an underlying truth: reducing expenses and increasing income leaves more cash to pay off debt.
Making the Right Choices with a Budgeting for Baby
Former Zookeeper Steffa Mantilla says she did not employ any animal-training techniques to get her husband on board with a debt reduction plan.
Though she could have convinced him to stay, the Houston couple have paid off over $70,000 of debt over five years. Planning for a baby was the catalyst for their money makeover.
Cutting small expenses was is a Major Goal
Refinancing student loans was the start of the process of paying off Neal and Laura Fogarty. They then searched for ways to cut costs to make sure they could use every penny they could spare towards removing debt. They were able to pay off $36,600 in eight years.
Rebounding from Bankruptcy
Rashad and Nirvanna Muhammad carried the burden of student loans and financial difficulties when they got married and started a family. After experiencing a bankruptcy, they narrowed their focus and made the sacrifices necessary to pay off $179,000 in just under four years.
Maintaining a "Passion for Fashion on the Road to Repayment
The promise of a fresh beginning in her lifewith a house and a family -- inspired Caitlin Forni serious about paying down her debt. Caitlin Forni paid out $123,000 worth of student and car loans in nine years.
A Spender, a Saver and dreams of a family
As Kendall Berry and her husband began to plan for children, they got serious about repaying their debt. Here's how they ditched nearly $54,000 in less than an entire year.
"Happiness Journey" Fueled Payment
(Photo taken by Abby Bengs)
After accumulating more than $200,000 in student loans for law school, Okeoma Moronu decided that she wanted to take a purposeful approach to her finances and life and paid off her debt in six and one-half years.
From 'Extravagantly Broke' Comfortably Frugal
DeShena Woodard, a nurse from Texas was a nurse from Texas. She had no savings and lived from paycheck till payday until the day she changed her habits and completed the repayment of more than $50,000 over the course of three years.
Little Splurges along the Path to Freedom
Brian as well as Lindsey Baldwin wiped out $130,000 in student loans in under four years. And they still had a few treats for their families during the process.
Small wins help in achieving a Big Dream
Bernadette Joy as well as AJ Maulion paid down student loans and two mortgages, a whopping total of $309,800, while building a small business. The secret recipe is simple: live on one income Celebrate small wins.
Whipping Up a Payoff 'Tornado'
If Steven Donovan didn't want to put his debt data into a budget app and he was aware of the need to take action. The challenge of tackling his debt that he hated the most led him to pay off $118,000 in five years.
"I Just Pretended That I Didn't have Money'
Sarah McGowan's goal: Be free of student loans by the time she turned 25. By maintaining a frugal lifestyle right out of college and working every chance she could, McGowan got rid of a little over $36,000 in debt in less than two years.
"It made our marriage so Strong'
(Photo taken by Amelia Campbell Photography)
Ray Bailey Robertson and Bailey Robertson paid off over $33,000 over the course of 18 months due to an aggressive strategy, a lean lifestyle, close partnership, and lots of planning.
Redefining 'Best Life,' The Scaling Back
Sonia Sears ended up deep in the red while pursuing her "best life" throughout college and beyond. However, she was able to conquer her debts by working harder, traveling less and moving back home. She was able to pay off $79,000 over two years.
The Frugal Lifestyle is Kicking into High Gear
Ben as well as Melissa Panter were always frugal however, when they were faced with an enormous mortgage and increasing students loan balances, they knew they had to put their budgeting into high the gears. The Panters have paid off $117,000 in nearly four years.
Side Jobs, Meal Planning and Faith
(Photo by Brok as well as Amanda Hansmeyer)
Teachers, Jamie and Jenna Griffin were overwhelmed by students loans. They relied on the budget and work hard to pay off over 100,000 in just five and one-half years.
How to Make the most of the gig economy
(Photo taken by Shane Henderson)
Kara Perez doubled down on part-time employment for the purpose of paying off her student loans that totaled $25,302 in three and one-half years.
Holiday bills can break a couple's budget
Christmas gifts added on top of existing debt persuaded Anthony Hartzog and his wife to pay off $114,151 over 23 months.
The Thrifty Living along with Side Gigs
Through careful budgeting, working full-time and supplementing her income, Tanya Nwamkpa paid off $57,000 in five years.
"We are given Choices And Again'
Their finances started to skid after a job loss in 2009. Despite a few blunders, Adam and Sally Cleary were able to get out of over $11,000 in high-interest debt.
Conquering College Credit Card Balances
Natalie Tomko aimed to pay off $50,000 credit card debt by her 30th birthday. It took her six years, a plan for hardship and support from the community to achieve it.
Change in Habits, Budgeting for a Baby
After they discovered a baby was due to arrive The Baggerlys overhauled their carefree spending and started budgeting, and two kids later, have paid off $111,108.
Smart Solutions for 'Stupidest Decision'
Cameron Merriman used $95,000 to pay off worth of student loan debt over five years, while living in one of the most expensive cities in the United States.
'It Became Like a Game to Us'
Josh and Jessie Boyce paid off $147,000 in debt in just more than three years, after realizing that debt was holding them behind in their financial goals.
An Olympian's Medal-Worthy Juggling Act
John Coyle's loan of $147,000 was used to pay for his Olympics campaign, and after landing a six-figure gig, Coyle paid it off over 15 years.
Continuous Concentration on the Goal
A recent college grad Samantha Ealy paid off more than $70,000 in under three years -- working multiple jobs and, at times, neglecting her health.
The process of becoming a budget obsessive
A mix of student loans and an auto loan and credit card debts, and home improvement financing left the Browns $72,000 in debt, forcing them to create a budget.
Engineer Goes Old-School With Pen and Paper
Despite receiving scholarship money, Brianna Harrington graduated college with $40,000 student loan debt. Determined to pay it off her debt, she made a budget that was strict that would pay off the debt over 26 months.
Refraining from Pride and asking for Help
Jesse Nuno was laid off during the recession and was in debt on a loan for a mortgage as well as auto loans. Cara was unable to pay her bills due to disability. The couple turned to a credit counselor to pay off $272, 261 over the course of five years.
A Wish List Kept Her Going
(Photo from Jim Gion, 2015)
Melanie Lockert resolved to wipe off $57,426 of debt. She encouraged herself to do so by writing wish lists of things she'd be able do when she was debt-free.
"Born Spender' Goes on a Spending fast
Anna Newell Jones entered married life with nearly $24,000 of debt. She was forced to spend fast and paid it all off in 15 months.
New Parents Stop Credit Cards
Lydia Senn and her husband pretended they weren't deep in debt until they were expecting their first child. Being a thrifty couple, working part-time jobs, and budgeting allowed them to pay off $36,000 in less than two years.
Grad Gives Gift to her Future Self
Ogechi Igbokwe did not want to become another students loan statistic. To prepare herself for success, she lived frugally and paid off $26,000 within three years.
Financial Goals for Families Are Family Goals
Newlyweds Nicole as well as Andy Hill saw debt as an obstacle to reaching their goals. The couple turned budgeting into routine and erased more than $50,000 in debt in a single year.
No Sleep for New Parents Till Payoff
Chelsea as well as Nate Day ended up owing her family $52,000 due to an unintentional purchase. The family debt left the Days uncomfortable and they cut their expenses to settle it in six months.
Homemade Tracker Kept Her Cooking
Food writer and chef Stephanie Stiavetti racked up debt to pursue her culinary dream. She knew it was a fact that, if they didn't adjust to a more relaxed lifestyle, she'd end up burdened with debt of $64,000 for the rest of her life.
Newly Single, 'I Knew I had to help myself'
At age 25, Carrie Smith Nicholson found herself divorced and $14,000 in debt. She realized that she would need to get an extra job, cut down on spending , and get herself out of the hole.
The process of obtaining an education through student loans
After graduating from college, Kara Stevens found herself in the middle of student loans and credit card debt. Once she educated herself on credit card debt Stevens determined to take on the issue head-on and pay off $65,000 over six years.
Additional Payments became her obsession.
When Jackie Beck lost her job and was forced to struggle to cover the cost of food and rent She was forced to face her bills. Beck became obsessed with tiny payments and paid off $147.106 over a period of 10 years.
Making the most of Cents
At the age of 23, Michelle Schroeder Gardner graduated from three colleges she was married and had bought the house she wanted. The graduate had $38,000 student loans and decided that she'd take it out as fast as she could.
Money under 30
David Weliver didn't tackle his $80,000 debt until he had to make the difficult decision of paying rent or a credit card bill. He consolidated debts, reduced the price of living and took on a second job to pay off the debt in three years.
Lauren Greutman
Lauren, a spender, was ashamed of letting her husband Mark, a saver, be aware of how poorly she had managed the family's finances. When she acknowledged the problem and altered her spending habits, she paid down $40,000 in two years.
Money Peach
Chris Peach and his wife Andrea had a rough time when they used up all their credit cards and couldn't pay for their groceries. Peach is a firefighter through education, followed a step-by-step approach for paying off the $52,000 over seven months.
Debt Discipline
Brian Brandow had his debt revelation as a father-of-three children had to inform his family there'd be no vacation this year. The Brandows had exhausted their credit cards. They used a debt-management plan to pay off the balance of $109,000 over the course of four years.
Cait Flanders
In her early 20s, Flanders racked up debt totaling more than $30,000 after saying "yes" to every purchase. Through a careful eye on expenses and cutting down on unnecessary purchases, she was able to pay the balance off in two years.
Active Budgeting Pays Off
Being newlyweds and recently graduated with a debt of $20,000, Johnny and Joanna Galbraith were determined to create an action plan to be out of debt. They paid it off within 1.5 years.
My Shiny Nickels
Laura Dobbins and her family resided in a luxurious house with all the trappings of wealth, but they were nearly $40,000 in debt. They cut back on their spending and began to save, and within less than two years had become debt-free.
Intelligent Spending, Dedication
Zina Kumok was a college graduate with $24,000 of students loan debt. But since she was making the equivalent of $28,000 in a year, she decided she had to get serious about the debt. It was paid back over three years.
The Family CEO
Julie Mayfield and her husband faced 18 years of debt -- which amounted to $59,000 -- to help fund their daughter's first year of college. They put any extra money they had toward debt and then paid it off in 22 months.
'Monster Payments'
Amanda Page graduated with $48,500 in student loan debt. Ten years later, after realizing she'd paid off less than $1,000 of her debt and was unable to pay it off, she began taking on additional work and used a strategy of making "monster installments" to pay off the debt within 14 months.
Penny Pinchin"Mom
Before marriage, Tracie Fobes declared bankruptcy to get rid of debt. When she and her husband were expecting their very first son, they'd accrued an additional $37,000. Discussions about money lead them to repay it in less than two years.
Queen of Free
Cherie Lowe, along with her husband Brian were carrying more than $127,000 in debt spread across payday loans, medical bills and student loans. After the birth of their son, they prompted changes in their lifestyle and they became debt-free within four years.
The Budgetnista
(Photo from Tinnetta Bell.)
Tiffany Aliche was saddled with $57,500 in graduate student loans, $40,000 in credit card debt and the sum of $200,000 due to a mortgage that was in default. She moved back home and switched to an all-cash lifestyle to pay it off.
A Wallet that is well-kept
Deacon Hayes and his wife Kim utilized the debt to finance their lives. In the event that they were in debt and were living from paycheck for paycheck, they realized they had to take action. The Hayes paid it off within 18 months.
His and Her Money
When they were newlyweds, Talaat and Tai McNeely had different financial habits and about $30,000 in debt. They had a single income and used the rest to repay their debts within one year.
Debt Free Guys
John Schneider and David Auten had years of experience in the field of financial services however, they managed to accumulate $51,000 of the credit card industry. They cut back on their spending, made use of a balance transfer and paid it off in 18 months.
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About the author: Amrita Jayakumar is a former writer for NerdWallet. She has previously worked for The Washington Post and the Miami Herald.
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