5 Single Bloggers Who Paid off Massive Amounts of Debt

Jen SmithDebt, Personal Finance25 Comments

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When I was single I was convinced there was no way I could tackle my debt on my own.

I lived at home for 2 years after college under the guise that I was paying down my student loans but all I did was save up for a down payment on a car that I financed two-thirds of.

Knowing what I know now, I could kick myself. I probably should kick myself. The truth is that while you may not have a second income as a single person you also have the opportunity to make more, live on less, all without the pressure from society of buying a house or having kids. And college educated women who wait until their mid-thirties to marry can make around $18,000 more (over 10 years) than their married-in-their-20s counterparts.

There are people who are living on a single income and becoming debt free.


And the big thing is, none of these powerhouses lived at home, off their parents, or especially with the aid of a second income. They didn’t have particularly easy lives but they worked their tails off to get the job done. And now they’re using what they’ve learned to motivate and encourage others.

Amanda @ Dream Beyond Debt

With an undergraduate and Master’s degree Amanda racked up over $47,000 of student loan debt. She carried around that baggage for almost 15 years. After bankruptcy, years of deferment and minimum payments she’d only paid off $1079. Then she got serious. She avoided credit cards, didn’t have a car payment, kept her living costs low with a roommate and 14 months later had it all paid off. Now she gets to write about increasing her net worth and her journey to retire early.

Bobby @ Millennial Money Man

As a teacher in Texas, Millennial Money Man had plans for buying a new car and a house and wasn’t really concerned with his $40,000 student loan debt. Upon the influence of some wise financial mentors, he leaned in and in less than 2 years had it paid off. He got married, quit his teaching job and now writes full time helping other millennials destroy debt and giving out lots of anti-entitlement advice.

Cait Flanders

I’ve mentioned Cait before in previous posts. She’s one of my favorite writers on conscious consumption. But in 2011 she started her journey with maxed out credit cards and 3 personal loans (one from her parents) totaling over $28,000. She made a lot of changes and many mistakes along the way but in 2 years she paid it all off. She then went on to complete a 2-year shopping ban and has a book coming out in 2018. Mind blown.

Carrie @ Careful Cents

At 25 Carrie was picking up the pieces from a bad divorce and the inherited debt that came with it. In addition to her full-time job, she worked nights and weekends to pay off over $14,000 in 14 months. Now she helps people quit their day jobs and build life-centered businesses. She also has a book coming out next year. BAMF.

Jessica @ Oh These Student Loans

After going to community college for free Jessica spent 2 years at her dream school and graduated with $68K in student loan debt in 2009. Since then she’s been on a mission to pay it back. So far with interest, she’s paid off $109,000 of debt ON HER OWN. She works 2 jobs, drives an old car, lives with roommates, and is putting her dream on hold until she’s debt free so she can pursue it fully. She’s only a few months away from paying it all off and I personally can’t wait to hear her debt free scream.

If these student loan mavens don’t inspire you I don’t know what will.

You don’t have to be making $80,000 a year or rely on someone other than yourself to be financially independent.


The thing all these people share is that they worked hard and didn’t quit til the job was done. Sorry, there’s no right time or magic formula for freedom. But I hope you’ll follow these bloggers and stay motivated on your journey. It’s hard but they’ll all tell you it’s worth it.

Related: How we Paid off Over $45K of Debt in 11 Months

5 Single Bloggers who Paid off Massive Amounts of Debt

25 Comments on “5 Single Bloggers Who Paid off Massive Amounts of Debt”

  1. Love reading these stories of people paying off their student loans quickly! I did the same thing myself when I paid off my law school loans earlier this year. Really freeing and opens up door. And importantly, it removes a lot of fear that you have when carrying student loans.

  2. I love reading about everyone’s journey to become debt free! I just graduated in May with $100,000 in student loans. I started working part time as a waitress while I’m putting in applications around the city, but have already paid off $1150. One loan down, two to go! It’s inspiring to see people in similar situations become debt free. Counting down the days until I’m the same way! 🙂

  3. They are so inspiring! My husband and I started with a combined total of $117,000 of student loan debt. Reading personal finance blogs was what inspired us to pay off our debt in just three years.

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  10. Yes, it’s awe-inspiring to come across individuals that have walked all the way up from debt. But you can’t deny that it takes a lot to change a few of your basic habits and stick to it for long. working out a plan requires you to study your financial situation from a close distance, but it even gets tougher when you ought to adhere to all norms.

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