She paid off $300,000 in debt as a first-generation American. ‘Hard work’ wasn’t the answer.

Bernadette Joy’s pursuit of the American dream left her drowning in student loans, car payments and mortgage debt. In a new book, she explains how she paid down a six-figure debt in three years.

Dec 11, 2024 - 01:45
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She paid off $300,000 in debt as a first-generation American. ‘Hard work’ wasn’t the answer.
Bernadette Joy’s pursuit of the American dream left her drowning in student loans, car payments and mortgage debt. In a new book, she explains how she paid down a six-figure debt in three years.

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