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Pay Off

Pay Off by Shannon Young

Cover design by Hannah Perrine Mode

Pay Off: How One Millennial Eliminated Nearly $80,000 in Student Debt in Less Than Five Years (Kindle Single)

In 2009, amid the global financial crisis, 21-year-old Shannon Young graduated from college with a degree in English and more than $80,000 in student debt. Less than five years later, she was completely debt-free. This is her story – a cautionary tale with a surprisingly hopeful outcome. Filled with practical advice and personal experience, Pay Off is an invaluable resource for anyone coming into or out of student debt.

Available from for $1.99.



“Young covers her financial journey through student loan debt in a graceful narrative that makes for an easy read without sacrificing the details. While her situation may be unique and unrelatable to some, the honesty and depth of this title is certainly a refreshing break from the vague manuscripts of most ebooks on the market.” – Finance Foes, Top 5 Best Free Books on Student Loan Debt

“Excellent overview of the current situation of student loans in America. I appreciate Young’s forthrightness as she details her circumstances, as well as her succinct overview of the current student debt crisis. Highly recommended reading for past, current, and future students AND their parents.” – KP, Amazon reviewer

“This book gave an optimistic view in the midst of a grim career prospect for millennials. Shannon was successful in cash bootstrapping by delaying her gratification for future freedom. It’s an inspiration for millennials to look for creative ways in solving their student loan problems. We recommend this book for those who are considering to apply for and currently finding ways to eliminate student loans.” –Viral Authors

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