By Kara Brandeisky
February 9, 2015

Like many millennials, Jordan Arnold graduated from college five figures deep in student debt. Unlike most of his peers, he paid off all of his loans less than a year after graduation.

This is his story, as told to MONEY reporter Kara Brandeisky.

Jordan Arnold, 22
Bluffton, Ind.
Occupation: credit analyst
Initial debt: $23,150
Amount left: $0
When he started paying it down: May 2013
When he became debt-free: March 2014

How I started building debt

Getting to $23,000

My uh-oh moment

My first step out of the hole

Kicking it into gear

How I celebrated being debt-free

What I’d tell someone else in my place

My plan for the future

Staying true to myself

Are you climbing out of debt? Share your story of getting “Out of the Red.”

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