Kevin Payne is a personal finance expert and freelance writer passionate about cheap travel, credit cards, student loans, and all things family finance. His work has been featured in Forbes Advisor, Fox Business, Bankrate, The Balance, Club Thrifty, Investopedia, DollarSprout, Millennial Money, Credit Karma, The Ascent, Student Loan Planner, and more. Kevin lives in Cleveland, Ohio, with his wife and four kids.