How to Avoid or Pay Off Student Loans

The cost of education is continually rising to the point where it’s unaffordable to many Americans unless they assume student load debt. If you’re just starting college, you can avoid student loan debt almost entirely by attending one of your local junior colleges initially, then transferring to a local public university to complete your bachelor degree. If you’re continuing on for a master’s or doctoral degree, you’ll likely have to incur some student loan.

I’m a strong believer in continuing education, but the burden of a huge student loan debt as soon as you graduate takes the shine off that new degree. So, if you’re just starting your college education, consider creating a revenue stream to pay for your education now, rather than getting yourself into debt with student loans. If you already have student loans, and now just need a way to pay them off as soon as possible, you also need a revenue stream to pay them off. Our normal daily jobs is how we support our daily lives, and there’s usually very little extra to apply toward these student debts. So here’s my suggestion …

Do you have four friends who are go getters like you? Who can imagine being out of debt and living a better lifestyle, and who are willing to do a little work to make that happen? If so, we need to talk.

Save 10 is a new customer loyalty program, just launched on June 8^th, and it’s just now spreading across the US. Anyone who joins now will be on the exciting ground floor of this exciting new company. If you will take five hours per week and follow my business model, you can earn enough to start paying off your student debt and perhaps even change your lifestyle for the better.

If you are intrigued and can invest just 5 hours per week for the short run to improve the quality of your life in the long run, I’d love to talk to you. If you are attending college and would like to avoid student loans entirely, or if you already have student loans you’d like to pay off, Save 10 could change your life.

If you are part of a campus sorority or fraternity, this business is a perfect way to supplement your college income, plus raise funds for your Greek house.

If you want to know more, you can reach me at judy@bestcruisers.com or by calling 501-255-2866. Our 15 minute chat could change your life for the better.  Here's a video you can watch to learn more, and here's a list of the merchants already offering a 10% or better discount through Save10.

Why I love Stitch Fix ...

I have no fashion sense, and I think that played into the reasons why I used to hate to shop. I went to stores to buy exactly what I was looking for ... a top, a dress, shoes, a pair of jeans ... and I paid for them and left without browsing. My girlfriends did not understand me, and my husband loved this about me. If I had to buy an entire outfit, I either took my girlfriends with me, asked for assistance from a store clerk, or I bought an entire outfit off a store mannequin. I was best dressed in my 20s when my little brother was working at a local department store, and he put together all my outfits including all the cool accessories.

When I heard about Stitch Fix, I knew I was going to love it. Here's how it works ...


1. Fill out Stitch Fix’s Style Profile with your personal style preferences and sizes. It only takes about 10 minutes-and it’s fun! You tell them what you like, what you don't like, and how much you're willing to pay for each item of clothing.
2. They send you a package of five items to try on in the comfort of your own home. Each item comes with a custom style card that provides two different outfit ideas and inspiration. These cards help me create two completely different looks.
3. You only pay for what you want to keep and send back what you don’t. Your $20 styling fee is applied as credit to anything you buy.

It’s your personal style, shipped to you, without the usual hassles of shopping. See why I loved the idea! I've been receiving Stitch Fix boxes for six or seven months, so I decided it was time to tell you about them.

I leave a specific message for my stylist, Susie, of what I'd like to receive each month. If I have a special event coming up, I tell her about it. This month, I'm headed to Costa Rica on vacation, so I asked her for some summer tops and a great pair of blue jeans. I asked her specifically for a pretty coral top. Here's what I received:

 Papermoon Mesli Crochet Detail Blouse: Susie delivered on my request for a beautiful coral top. I love this. It has a cute button detail on the back that makes it a little more form fitting back there. This top is $48.

Papermoon Jaylin Lace Overlay Blouse: I loved the color and style of this top, but this petite top was a little too short for my tastes. I emailed Stitch Fix to ask if they had this as a regular in my save, but sadly they didn't, so it had to go back. Maybe I'll see this again in a future Stitch Fix box in that size. This top is $48. Here's hoping!

Collective Concepts Leeds Crochet Detail Top: I hated everything about this top, and it was the most expensive at $64, so I knew it was going back. It reminded me of something my grandma wore as pajamas. Sorry, it had to go back to Stitch Fix!

Stitch Fix includes a prepaid shipping bag in the box, so you just put the items in that bag, seal it, and stick in your mailbox. This is really hassle free trying on and returning clothes.

 Fun2Fun Sonoma Striped Sleeveless Top and Level 99 Glenda Straight Leg Jeans: I would never have picked up this top to try on in a store. I try everything on that Stitch Fix sends, because sometimes I'm surprised by how good something looks on me, how comfortable it is, or how much I love the compliments my husband gives on something I would never have looked twice at. I love this top! Comfy, and who knew orange and blue stripes would look so good. This top is $38.

I'm always so surprised by how well Stitch Fix jeans fit me. Every pair of jeans fits perfectly, and usually the length is perfect as well. This pair was no exception. The only problem is ... the waistline hit about two inches below my bell button, giving me an uncomfortable muffin top feeling. I like a little higher waist, so sadly this had to go back to Stitch Fit. These jeans cost $98.

 Susie, always sends me a fun note, like the one in this picture, plus you can see the style card for the cute blue and orange striped top. Susie does a great job picking five pieces for me every month, and she usually tries to stretch me from my comfort zone. Sometimes it works, sometimes it doesn't, but it's always fun.

If I keep all five items, Stitch Fix offers me a 25% discount on the total price. I'm still not that big a shopper, so I usually keep one or two items, because I only want to keep items that I absolutely love.

Are you interested in trying out Stitch Fix? I receive a $25 credit toward my next Stitch Fix purchase, when you sign up for a box using my referral code.

My girlfriends laugh at me now ... because I now love shopping. Stitch Fix has stretched my horizons, where I grab clothes and try them on. But, I still love receiving these boxes at home, where I can try on their clothes, adding my shoes and accessories, to see if I really like them. Have you tried Stitch Fix?

Ten Years Ago, I started my own travel business ...

Wow, I can't believe ten years have already passed since we bought our Cruise Planners franchise, and I started my dream vocation as a vacation planner. I've never looked back, because I love my job. (I hope you all feel the same about what you do, but if you don't, let's talk!)

After a few years with Cruise Planners, I felt I could grow my travel business and earn more money with a different host agency, so I joined America's Vacation Center, which then quickly changed it's name to Avoya Travel as an independent vacation planner, and I've been with them ever since. And, now I'm celebrating my 10th year in the travel business.

I started out mainly planning cruise vacations, eventually adding some high-end resort vacations, and now I book luxury trips of all kinds, and it's so much fun! I didn't replace my fulltime income immediately, so it helped to have a husband whose own business could support my travel business until I became profitable.

I've met new folks who ask me to plan their vacations, while my valued guests return regularly for me to plan their vacations, so my business continues to grow, and some days I could accomplish so much more with an assistant. And, the number of hours in my day determines how much I can accomplish.

When my husband, Roger, recently shared the new business he and some friends were launching this year, I was so excited, because I saw a way to increase my earnings without increasing the number of hours I worked. As I grow that business, I can get back to the fun of planning (and taking) vacations, and I can introduce folks to this same business which offers a revenue stream to get out of debt, buy a house, pay for your children's private school or college, pay off student loans, fund a ministry or mission, and more.

If you know me, you know I don't like selling things (I plan vacation, I don't sell them), I don't like to pressure folks to do anything, and I have a life I enjoy, so I want to spend the bulk of my time with the people I love. I'm happily building this new business alongside my travel business, and I'm so glad it works with my comfort zone.

If you'd like to know more, let me know, because ... it can seriously be the blessing you need and maybe an answer to your prayers. I can tell you the whole story in less than 15 minutes, and, like I said, no pressure at all. I hope to hear from you.