joe mihalic

2012 Favorite KDP Self-Published Book: "No More Harvard Debt"

I didn’t have to think too hard to figure out my favorite Kindle Direct Publishing self-published book of 2012. Hands down, it was “No More Harvard Debt,” by Joe Mihalic.

I then read another book he’d written, and loved it just as much.

If all self-published authors were this articulate, this bright, and this *humble* the big six would shut down for good, agents would be querying authors, and we’d all be reading self-published books.

He’s also a consummate blogger.

I actually hesitated before I wrote this post because the author is so humble…and he doesn’t take nearly enough credit for his talent.

In fact, I have seen cheese-dick authors with small start-up e-publishers brag and boast about dreadful books that should have been in the slush pile and they could not even compare to Joe just in writing style alone.

And it was all done by one writer. It didn’t cost him much to do. And all it took was time, talent, and dedication.

Knowing Joe, he’s going to hate this post because he is that humble. And I swear I won’t do it again. But I couldn’t help writing this follow up and letting people know there’s help out there for dealing with student debt, and it’s done very well.

Review: Destroy Student Debt: A Combat Guide to Freedom by KDP Author Joe Mihalic


After I read “No More Harvard Debt” by KDP author, Joe Mihalic, I posted a review and had no idea he’d be releasing a second book so fast. I still think in terms of old publishing in this regard…wait two years for another book to come out.

But the new book was released in August and I found out about it by reading his blog. I recently finished the second book and left reviews on Amazon and Goodreads, which I’m posting below.

I clearly liked the book and was not disappointed by anything I read. And from a publishing POV, I think this is a perfect example of someone who is taking control of his own publishing experience and executing it on his own as good as any trad pubbed book out there.

I’d also like to add that as far as I know, Joe does NOT have a literary agent publishing his book on Amazon through their publishing services. This is truly an indie book and he’s doing all the footwork on his own, just like other authors have been doing recently. I’m starting to think this is an important distinction to be made now. Not because I have anything against books pubbed by lit agent services, but because I know how hard it is to pub an indie book and I don’t think that’s fair to indie authors who are doing all the work on their own.

Joe writes with an honest voice and a clear message. I agree with all the other four and five star reviews here and it’s hard to add more than what’s already been said so far. But I’d like to mention that the book is as professionally executed as any book published by one of the big publishers out there. I also like it when non-fiction authors add personal stories. It makes the content more visual and keeps my attention. I would also like to add that a book like this has the possibility of setting a new trend, where learning to manage money and learning to deal with debt takes us to another level where debt becomes a thing of the past for most people. We’re living in interesting times now and the information in this book is a good example of how important it is to face our finances head on.

This is one line that seemed to sum the book up for me:

“As Long as you continue to consume, you won’t be able to pay down your student debt quickly.”

There are many other lines just as profound. But this one can be used toward all kinds of debt. If you have credit card debt, it can be applied. You can even apply it to your mortgage debt. He also explains the difference between being cheap and frugal, which I thought was an important distinction to make. He also gets into self-esteem issues and personal experiences that I thought most of us could relate to on certain levels. And it’s done in such an honest way I found myself surprised more than once.

If you’re looking for a book to help you figure out how to pay down student debt, you’ll be glad you read this. And if you’re looking for a nice book that will help you look at money differently, you’ll be just as glad you read it.

You can purchase the book here.

Non-Fic Indie Author Joe Mihalic Releases New Book: Destroy Student Debt: A Combat Guide to Freedom


I had a completely different post planned for today about how CNN is failing in ratings big time. But that can wait. Those who follow my posts know that I like to stick to topics about publishing in a broad sense.

And I think this post covers that well…especially because I DON’T SEE other publishing blogs talking about the successful indie authors that are publishing their own books on Amazon. They almost seem apprehensive about it.

In this case it’s blogger Joe Mihalic who started his blog, “No More Harvard Debt,” to let people know how he paid down almost six figures in student loans. He also self-published a book with the same title through the KDP program. And now he’s released a second book.

I’ve been in publishing for twenty years, since I graduated from college. And this is the kind of thing that excites me and I WANT to let other people who are interested in writing non-fiction know that you don’t have to only focus on the query-agent-gatekeeper route anymore. You can still do that, but you also have choices now that you’ve never had before.

And I think Joe is a good example of how publishing has changed thanks to the digital first market and Internet opportunities. If I were an agent, I’d step aside from the query wars and I’d be talking to him right now wondering what university he’ll be speaking at next.

You can check out “Destroy Student Debt: A Combat Guide to Freedom,” here. The quality of the book is as good as the content. There are also ten reviews up on Amazon and they look good. Nine are five star, one is four star. I’ll read it soon and leave a full review.

I’ll be focusing more on self-publishing and indie authors in the coming months that I think are worth reading. I also think it’s important to get some of the positive stories out there.

Reality Show "3" is Now an Exclusive Web Series…

For those who don’t know, I’ve been posting about a book and an author I recently read titled, “No More Harvard Debt.” It’s non-fiction, dealing with personal finance, and how one man paid of thousands of dollars in student loans.

You can check out the link here to read more about it.

The author of NMHD, Joe Mihalic, was also selected to be on a CBS TV reality show title, “3.” The show has been shifted into a web series, and you can read more about it here.

The blog is good, too. He may or may not know it, but he’s a natural blogger and executes what he does in a way that I think blogging was always intended to be done.

I’ve actually seen the TV show a few times and as far as reality TV goes it’s different. You get to know the characters and you start to care about what happens to them.

Clip From CBS Show "3" with Non-fiction Author Joe Mihalic

I posted about non-fiction author, Joe Mihalic, being on a new TV reality show earlier this week and someone sent me a clip. You have to look fast; Joe’s the one in the grey shirt. And you have to get through one of those insufferable, annoying political ads these candidates are spending/wasting millions on first, but the show sounds interesting and it’s being promoted as something different than the usual reality TV we normally see.

You can view the clip here at the CBS web site.

What should be even more interesting is that Joe plans to talk about his experiences on the show, on his blog, when he’s finished and he’s able to talk about them. Now that sounds like it should be fun.

I was approached to do a reality show about romance authors last fall through a contact of my old editor’s at ravenous romance, Lori Perkins, who also happens to be a Literary Agent in NY. I haven’t heard anything about the show since I was approached, but I turned it down for one main reason, which is an important reason. I don’t consider myself to be a romance author. I write *gay* fiction, and sometimes it’s romantic. But not all the time. I don’t think it would have worked, and it wouldn’t have been very authentic. If I ever do start writing books with women in long flowing gowns on the covers, then I might consider it.

The hardest part about turning that down was that I am a shamelss fan of some reality TV, and I’ll be watching “3” right after “Big Brother,” tonight.

3…A New CBS Reality Show Starring Self-Pubbed Non-Fic Author, Joe Mihalic


While I was writing a review for Joe Mihalic’s book, “No More Harvard Debt,” this morning I went to his blog for a link and discovered something interesting.

He’s been selected to star in a new reality show on CBS, called, “3.”

Here’s the blurb:

“3 is a relationship show that won’t perpetuate a fairy tale myth about dating. Without any typical game play, it intimately documents the search for love and the reality of dating — the anticipation, the excitement, the rejection. Along the way, we’ll see personalities who are real, and flawed, and simply human.”

I became a fan of Joe as a blogger and posted about him here a couple of times. And not only because he did a great thing in general by paying off his loans so fast, but also because he’s the consummate blogger as blogging was intended originally and he’s now a self-pubbed author in non-fiction.

He’s also a decent guy, with no pretense or attitude. He reminds me of the male version of Zora Andrich who starred in the reality show “Joe Millionaire” a few years ago and won half the million dollar prize. I knew Zora personally when she lived in Lambertville, NJ, which is only a few miles from New Hope where I live. At the time Tony and I owned a few tanning salons and she was one of our clients. She was one of the nicest, and most gorgeous women I’ve met in a long time. And she worked just as hard as Joe.

It shows that good things to happen to nice people every now and then. And this time I hope Joe winds up meeting the woman of his dreams.

3 premieres this Thursday on CBS at 10/9C and all following episodes will be on Sunday at 9/8C.

You can read more about it here.

Kindle Direct Publishing…Review: "No More Harvard Debt" by Joe Mihalic


When I first stumbled across Joe Mihalic’s blog, No More Harvard Debt, I was curious about his posts because I know so many people who are now paying off college loans. I was lucky enough not to have college loans, but I (we) know what it’s like to carry a half a million dollar mortgage, so anything money management interests me. As a blogger I know how to navigate blogs well and I went to one of his earliest posts to see what he had to say…and to see if what he had to say would be of any interest to me.The first line I read made me want to read more.

I graduated from Harvard Business School with my MBA and $95k of student loans ($101k including accumulated interest) in 2009 at the age of 26.

I liked the blog so much I posted about it on my own blog, hoping to spread the word for other people who might be interested in ways to pay down college loans…or any other debt…the good old fashioned American way. Because that’s what Joe did. He didn’t sit around and groan. He didn’t sit around waiting for a handout from the government. He used common sense and forged ahead by working as hard as he could.

And when I saw that he’d put the blog into book form using the Kindle Direct Publishing program I couldn’t have been more thrilled. By doing this I knew he would be reaching even more people who could use advice. And by using the KDP program it didn’t cost him anything but, as is his style, a lot of hard work. And, it’s well formatted and simple to read on any e-reading device. I read mine on an iPhone for the most part.

What I think I like most is that he’s not loud and obnoxious about offering his own personal advice like so many others who get paid millions of dollars to do basically the same things he’s doing. There are some funny sections and some sections that scream reality check. But the most important part was the sincerity…without the gimmicks. I would recommend this book to anyone with debt, or anyone interested in reading a human interest story about a normal guy with a great deal of tenacity and talent.