Zina Kumok

About the Author

Zina Kumok

Zina Kumok is a personal finance writer, certified financial health counselor, and student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.

Latest Posts

4 posts written/edited to date

Study

75,990 views

9 min read

Average Credit Score by Exact Age (2024)

The Average Credit Score by Exact Age

Credit scores are one of the most important financial barometers. A good credit score opens doors to lower interest rates and better loan... read more »

Zina Kumok

By: Zina Kumok • 9/27/23

Guide

73,610 views

11 min read

Low-Income Home Loans for Bad Credit in 2024

11 Low-Income Home Loans for Bad Credit

It’s a cliché for a reason: Buying a home truly makes you feel like you’ve fulfilled the American dream. But if you have a low income and bad... read more »

Zina Kumok

By: Zina Kumok • 8/8/23

Guide

100,000+ views

9 min read

15 Secrets for Getting a Higher Credit Score

15 Secrets For Raising Your Credit Score

If you’ve ever struggled with the consequences of poor credit, you may feel like everyone except you seems to know some higher credit score... read more »

Zina Kumok

By: Zina Kumok • 2/1/21

Guide

100,000+ views

13 min read

Credit Score Charts: Data & Trends in 2024

15 Credit Score Charts: Data & Trends in 2024

Credit score charts are an easy way to make sense of what can be an overwhelmingly complicated topic. There’s a reason why teachers like to use... read more »

Zina Kumok

By: Zina Kumok • 12/28/20