Now, Kroezen and her family live in Nashville, where Kroezen is a stay-at-home mom and her husband works in the insurance industry. Kroezen has paid off $103,168 of her student loan, and she says she would have completely paid it off were it not for the birth of her daughter. She and her husband also bought a home and put down a $20,000 down payment on it. They pay off their credit card bills in full each month.
"We will attack the mortgage in the same way as the student loan, although we may take a month off and buy some clothing, which we haven't done in years," Kroezen says. Her family is also growing, with another baby on the way.
If going debt-free is one of your goals for 2014, these strategies might help you get there.