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How I Ditched Debt: Active Budgeting Pays Off

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In this series, NerdWallet interviews people who have triumphed over debt using a combination of commitment, budgeting and smart financial choices. Their stories may even inspire you to pay off your debt.

These newlyweds paid off $20,000 in NEARLY 18 months

Like many students, Joanna and Johnny Galbraith relied on loans to help finance their education. Between a summer internship in New York City and earning degrees from Brigham Young University — Joanna’s in English with a minor in editing and Johnny’s in communications — the pair accumulated $20,000 in student loan debt.

As newlyweds and recent graduates, the young couple left Utah for New York a second time in 2010, with their debt in tow. But they were determined to create an attack...

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