Zina Kumok, Forbes

Zina Kumok


Denver, CO, United States

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Past articles by Zina:

When Is The 2022-23 CSS Profile Deadline?

If you're applying to colleges, you're probably familiar with the Free Application for Federal Student Aid (FAFSA). That's the form you fill out to become eligible for federal student aid like scholarships, grants, work-study programs and federal student loans. But many schools also have internal → Read More

How Student Loan Autopay Can Save You Money

When it comes to any kind of recurring bill or loan payment, the decision to set up autopay should be, well, automatic. You'll never have to worry about late payments again because the payment will be automatically transferred from your bank account to the service provider. But that's not the onl → Read More

How To Get A Business Line Of Credit In 5 Steps

A business line of credit is a handy way to access financing as needed rather than receiving a lump-sum payment such as with a small business loan. Business lines of credit can help you manage cash flow, buy inventory or pay for an unexpected expense. Better yet, you only pay interest on the amount → Read More

How To Get A Letter Of Recommendation For Graduate School

It can feel awkward to ask for a recommendation letter, but most people are happy to help. Here's what to know about sourcing letters of recommendation for graduate school. → Read More

10 Best Law School Scholarships for Aspiring Lawyers

Law school graduates tend to have little trouble securing a respectable salary once they graduate, but most enter the workforce saddled with student debt. According to a recent American Bar Association (ABA) survey, 90% of respondents left law school with student loans, owing an average of $130,000. → Read More

When To Hire A Student Loan Lawyer

A student loan lawyer can help with a number of potential complications, but it's important to know how they can—and can't—help. See if hiring a student loan lawyer is right for you. → Read More

Side Hustles For College Students To Pay Student Loans

Even if you don’t have much time outside of class, there are side hustles you can take on to earn more and pay off your loans faster. → Read More

How To Sell A Car In 6 Steps

Now is a great time to sell your car. But how you price it, and where you sell it, can make a huge difference. Here's what you need to know about selling your car. → Read More

How To Lower Your Student Loan Interest Rate

Student loan interest can be deceiving. When you're talking about incremental differences—like comparing 5.6% and 6% interest rates—it's easy to assume that a few tenths of a percent doesn't really matter. But over the life of a loan, those incremental differences can add up to hundreds and even → Read More

Should You Worry About No Credit Score?

When you have no credit score, it’s likely you won’t qualify for a loan or credit card. We'll show you steps you can take to build credit for the first time. → Read More

4 Best Scholarships For LGBTQ Students

Here are the top four scholarships to help the LGBTQ community attend college. → Read More

How Divorce Affects Your Student Loan Debt

The financial fallout from a divorce often catches people by surprise. When you're going through an emotionally difficult life experience, money matters may take a back seat until the dust settles. But addressing financial issues early on will make the transition easier. That's why, if you or you → Read More

How to Use Crowdfunding to Pay Off Student Loans

Crowdfunding is when you raise funds virtually for a particular goal or cause, like helping to pay your student loans. Here's the best way to raise the most funds. → Read More

When Should You Use A Personal Loan To Pay Taxes?

Personal loans can allow you to pay off your tax burden without breaking the bank on interest. We'll outline when this is the best strategy to use. → Read More

What Credit Score Is Needed For A Personal Loan?

We recommend a minimum credit score of 670 to qualify for a personal loan. However, requirements vary per lender, so it's best to confirm with your preferred lender. → Read More

How To Go To College For Free

Paying for school can be expensive, but there are many ways to go to college for free. Here's how. → Read More

How To Refinance Your Car Loan

Refinancing your car loan can help you lower the interest rate and monthly payments. Here's how. → Read More

What Is The Statute Of Limitations On A Student Loan?

If you're thinking about not paying your student loan debt there is a period when the lender can sue you for collections, called statute of limitations. Here's how it works. → Read More

How Going Back To School Affects Public Service Loan Forgiveness

If you're looking for student loan relief through the federal Public Service Loan Forgiveness program, it's important to know how major life change could affect your eligibility. Here's a guide for PSLF borrowers. → Read More

Co-Borrower Vs. Co-Signer: Which Should You Use On Your Loan?

While a co-signer can help you qualify for a loan, a co-borrower is an equal participant in the repayment process. We'll help you understand which is the best for you. → Read More