Melanie Lockert is a debt master. From her blog, Dear Debt, and her book by the same name, Melanie has personally paid off over $80,000 in debt and has heard from hundreds of her blog readers in their own "Dear Debt," letters share their experiences at doing the same. Melanie is now a freelance writer and event planner while she also keeps up with her blog. In this episode we talk all about mindset shifts needed to achieve financial greatness, whether college is really worth it, and if waiting 20 to 50 years for your student loans to be forgiven is really worth it. Check out the show notes for more.