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In this undated image provided by Nerdwallet Shannon Beranek poses for a photo. Beranek is paying down around $93,000 in student loans from her bachelor’s and master’s degrees plus about $5,000 on her red 2015 Hyundai Elantra. On top of working two jobs and various side hustles, she makes daily decisions that help her save for retirement and pay extra on her debts. (Nerdwallet via AP)

In this undated image provided by Nerdwallet Shannon Beranek poses for a photo. Beranek is paying down around $93,000 in student loans from her bachelor’s and master’s degrees plus about $5,000 on her red 2015 Hyundai Elantra. On top of working two jobs and various side hustles, she makes daily decisions that help her save for retirement and pay extra on her debts. (Nerdwallet via AP)

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