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$120,000 Debt Paid Off

It’s Crazy Money Day, and today we’ll see how a young couple paid off a mountain of debt in under 3 years!

Quenton and Marchelle Ross had $120,000 in combined student loan debt, and it was a huge burden. 

So, they got serious. Quenton said they cut back wasteful spending, going out to eat, buying unnecessary groceries, hypothetical outfits, and shoes they might only wear one day. They were very intentional about the short-term sacrifice. Even reworking their budget down to every penny.

Together they decided to apply their first check of the month to mortgage, food, and utilities. The second check went to their student loan debt. To pay off their loans, Quenton adopted the snowball method. The psychological advantages kept them motivated. 

Here’s how it works:

You pay off your smallest debt first while continuing to make minimum payments on your other loans. Any and all extra money goes towards the smallest debt. Once that’s paid off, you apply the payment towards your second debt until it’s paid off. You continue until you’re debt-free. You’ll save lots of money and interest charges.

Paying off debt as quickly as possible is important in your journey towards faithful stewardship.

That’s why I want to challenge you with Psalm 37: 4-5:

“Delight yourself in the Lord and He will give you the desires of your heart. Commit your way to the Lord, trust in Him and He will act.”

Just go to, and there you’ll find our Debt Snowball Calculator.

And if you’re overwhelmed with debt, I recommend Christian Credit Counselors. They can create a debt management plan just for you. For more information call the Crown Helpline at 800-722-1976.