How to Pay off Your Scholar Loans in 7 Months
Joe Mihalic had above 90k in Harvard Small business University student mortgage credit card debt just 7 months in the past… and now he’s credit card debt cost-free. How did he do it? We have an excerpt from a movie he made detailing his tactic, and John Iadarola discusses it on TYT University.
Check out the full movie at
You can come across out a ton far more info at – in hindsight I can say that he has responded to men and women who released very similar criticisms as I have in some of the modern posts on his site. I largely concur with what he suggests. – John
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39 comments
Bits of Real Panther March 14, 2017 7:03 pm
4.0 GPA college graduate, 500+ applications in over 6 years…. still can't find anything worth a shit. What a fucking joke.
ReplyJohnathan Montalvo March 14, 2017 7:03 pm
Oh, no his advice is great! I'll just sell the 'Vette and the Ferrari. So simple. Neat!
ReplyJoav Bee March 14, 2017 7:03 pm
get your student loans forgiven call national student debt solutions 844-847-6737
ReplyBrian Y. March 14, 2017 7:03 pm
Someone already with a lot of money that paid off debt fast is obvious. It is surprising that he took 10 months for that even. I would never listen to his advice. Nobody should.
ReplyasmcriminaL March 14, 2017 7:03 pm
This is what I am doing to minimize my debt. Taking every class possible at a community college before i transfer to a 4-year college. Getting financial aid as well. It's dumb to take a basic English course at a 4-year college(more expensive) if you can take it at a community college(cheaper). I do not take out a loan for more than what I need. I am also not majoring in some dumb field( the big issue with many people) that really is not in demand and that pays low. I am majoring as a Software Engineer in Silicon Valley.
ReplyasmcriminaL March 14, 2017 7:03 pm
SO the guy in the video gave bad advice and you are talking about his video. So why the hell am I watching this video? It does not discuss how to pay off student loans faster.
Replyanglekan March 14, 2017 7:03 pm
Damn. I live in Austin. I need to meet this guy. For some reason I feel like this story is no longer realistic in Austin TX. This city is way overpriced.
ReplyTheNebraska402 March 14, 2017 7:03 pm
If anyone is still watching in 2016, work at a restaurant. I work quick service (fast food) and my weekly grocery bill is next to nothing. It would be 0 dollars if I didn't eat some fruit for breakfast. Food, water, and shelter are the only 3 things deemed necessary to survive. Find a way to pay for these with the least amount of money and you are on a great start
ReplyAdam Stout March 14, 2017 7:03 pm
I have been looking for a full time teaching position for years in New York state. The ratio is 400:1. I have had to take tutoring jobs to make ends meet while supporting a child. Even though I have been working in a public position, they will not count my work towards loan forgiveness as it is not considered full time. My son sees me in my position and now does not want to attend college. I can not say I blame him. There are no guarantees even if you have a Master's degree….I wish someone would have told me that….now I do not have a full time position and a student loan payment larger than my car payment!
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Mit Patel March 14, 2017 7:03 pm
A large portion of students graduating do the bare minimum to finish. College is about making connections and building a network. If you finish college and expect to then apply for a job, you fucked up. You took the lazy way out.
ReplyRichard Frani March 14, 2017 7:03 pm
91k in 10 months, after paying $1k per month for 7 months? What kind of work did this guy do after college? To afford these numbers, his expendable income must have been over $120,000- or, grossing over $200,000.
In other words, he's an investment banker or tech millionaire. I landed engineering positions in big pharma and it took me years of living at home, not having a car, an consistently using all disposable income to pay my $72k in loans.
ReplyJessica Cyr March 14, 2017 7:03 pm
I make $1200 a month. I have two small kids and am recently divorced. He owes nothing for my student debt even though it was a family expense and only pays $100 a month for child support. How do I pay a $967 a month student loan?
ReplySelling kidneys will be legal some day? Then maybe I can pay this off.
Beauty and Confidence March 14, 2017 7:03 pm
Amazing work! But I agree with some of the comments below. Not everyone is rich and well off.
Replyprtnst March 14, 2017 7:03 pm
fucking rich privileged scumbag doesn't represent us 1st generation college graduates
ReplyRose K March 14, 2017 7:03 pm
Don't go to college …. That's the solution
Replyboonenboo marcum March 14, 2017 7:03 pm
yeah were all spoon fed dip shits!!!!!! Such a liar!!!!!!!
ReplyClaudia Duran March 14, 2017 7:03 pm
"Being homeless is easy. Just live off organic grass-fed protein powder, shower at the gym, and sleep in your Ferrari."
ReplyMatty Pooh March 14, 2017 7:03 pm
I'm 140,000 dollars in student loan debt. I don't have extra vehicles to sell, and I certainly don't have a six-figure job. Just a really expensive BA degree
Replygremlinsbreath March 14, 2017 7:03 pm
When I bought my truck (the worst purchase I've ever made) I didn't know how bad the interest payments on the loan would hit my wallet. When I finally got the loan under $5000 I put the entire amount on a "no interest on the first change" credit card and stuck that card in a drawer. As long as I didn't charge anything else to that card all my payments went directly toward the principle. I paid zero interest on that loan from that point on.
ReplyJoao Paulo March 14, 2017 7:03 pm
Come to study in Portugal. On a public university the tuitions are lower than 1100€/year (BS + Integrated MSc) and 3500€/year. The flat rent is lower than 200€/mount. The food is also cheap (less than 2€/meal). The majority of courses can be taught in english.
ReplyRodolfo Suarez March 14, 2017 7:03 pm
Shout out to Austin, Texas Reply
GURILLA RON March 14, 2017 7:03 pm
Is a scheme to put you in debt. they pick and choose who is successful I'm convinced of this now! The rest are considered no good cuz they are not good ass kissers. It's all bullshit.
ReplyWane Frame March 14, 2017 7:03 pm
Pointless!
ReplyWane Frame March 14, 2017 7:03 pm
This guy doesn't represent the large amount of students graduating with debt. So why would you use him as an example!!!
ReplyWane Frame March 14, 2017 7:03 pm
Waste of time!!!!!! Why are you commenting on a solution to a problem that is not applicable!!!!!!!! Waste of time!
ReplyIsaiah Durant March 14, 2017 7:03 pm
its good advice but i think it's not gona be as easy as it was for this guy maybe instead of 7 months it mite be 2 years or 3 or 4 but still faster
ReplyRobertodelgadorocks March 14, 2017 7:03 pm
He went to Harvard
ReplyDarlene Reyna March 14, 2017 7:03 pm
Asking for help is a big step but I know with your support I will get thru this! Any Donation is welcome as every penny counts! Thank You for your Time and Concern! Please feel free to share my story! http://www.gofundme.com/un2kpmfa
Replysylviassuccess March 14, 2017 7:03 pm
my husband makes 6 figures. but he went dropped out of college and went auto F&i school. thank goodness.
ReplyRichard Longoria March 14, 2017 7:03 pm
i have an insane amount of student loan debt and i have no skills. i have a stem degree, which i thought was supposed to be valuable. i likely will remain in debt for the rest of my life. i wish i had a 100k job so that i could bite the bullet and hopefully pay off my debt in a few years, but the way it's looking is that i'm not. i get really annoyed because i keep trying to find ways to pay it off, but instead i just find "no's". i hate that i went to school. i would've been much better off being a grocery store worker, or anything else which requires no education. i hate that i have knowledge. i used to think it made me special and that one day it would really pay off; however, boy, was i wrong. i was a sucker for someone who was much older and cleverer than i am, who conned me based upon my silly dreams of wanting a better future.
ReplyI'm a princess March 14, 2017 7:03 pm
100k income no it should not be hard to pay off his loans. Hell he had a job. What if you don't have a job or a car or a bike to sell.
ReplyElisa Chaboya March 14, 2017 7:03 pm
Just join the military. Easy. Have training that transitions to college credit and the rest will be paid off. Lol.
ReplyTomomi Sato March 14, 2017 7:03 pm
This seems like another case of rich and well off people trying to show everyone that they pulled themselves from the bootstraps to find success even though CLEARLY they were already at a better standing than most people. Like really, who has 3 vehicles?????
ReplyjUsT a ViSiToR March 14, 2017 7:03 pm
We should sue colleges for no service rendered….
ReplyJosue Rodriguez March 14, 2017 7:03 pm
hahahaha that case is one in 1/1,000,000,000
Replybirdmanwithjeep March 14, 2017 7:03 pm
So to pay off my student loan I should get a six figure job and sell 2 of my 3 vehicles… NO %#!* SHERLOCK. If I had any of those things I would have already paid off my loans.
How about living off rice and oatmeal, not drinking any alcohol, never going out to eat, no cable, one phone as an addition to my parents plan, selling everything that I can on Amazon and E-bay. My transportation is an old bicycle from Target, and a 1983 pickup that I recently had to replace the intake manifold gasket myself.
@#$%^&* that harvard kid. Most of us can't afford the flight to get to harvard let alone the tuition.
ReplyGeopolitische Forschung March 14, 2017 7:03 pm
Student Loans is also a sign of a rotten asocial marketradical financial system like in a 3rd world country
ReplyHammer of Age March 14, 2017 7:03 pm
easy way sell drugs
Reply