Jen Hayes and her husband are currently working on paying off $117,000 of student loan debt, and they’ve paid off over $82,000 so far. Jen is passionate about helping young people to pay off debt and make smart financial choices. She is the founder of the site Frugal Millennial, which began in 2015. Jen teaches her readers to spend less, save more, and live intentionally. She’s been featured on The Penny Hoarder, The Financial Diet, Elite Daily, and Miss Millennia Magazine. In her spare time, Jen enjoys yoga and going for long walks by the lake with her husband and their pug, Herbie.