Cindy Zuniga went to law school to make an impact in her community. After three years in law school and $215,000 of debt later, Cindy realized the real cost of her decision. Her first year out of school she paid $24,000 towards her student loans. However, only $4,000 went towards her loan’s principal balance.  So where did the other $20,000 go, you ask? To pay just the interest on her loan.  That’s when Cindy said enough is enough and devised a plan to pay off all of her debt in 48 months.  Check out this week’s episode where Cindy shares how she paid off $215,000 in 48 months and kept her expenses low while living in New York.  In this episode you will learn: What to consider before taking out student loans for a degree How to educate yourself and your family about student loan debt 3 reasons to refinance your student loans How to stick to your financial goals in any environment Tips for talking about finances with your partner How to lower your expenses, save money, and more Other related blog posts/links mentioned in this episode: Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Cindy: Website Instagram:@ZeroBasedBudget Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Join The Money Launch Club Waitlist  Jumpstart Guide