no more harvard debt

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.

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.

Cool Stuff from Kindle Direct Publishing: Joe Mihalic Self-pubs "No More Harvard Debt"


I run across a lot of bloggers and writers on the Internet and once in a while I spot something different.

It happened when I saw Joe Mihalic’s blog, “No More Harvard Debt.” I liked what I saw so much I wrote a short post, here, last May.

For those who don’t know, Joe is a young professional who has been blogging about how he paid off almost six figures in student loans by using good old fashioned American common sense. Instead of complaining about his situation and looking for a handout, he cleared his own debts by making sacrifices and working hard.

A lot of people…including me…suggested he turn the blog into a non-fiction book and self-publish it on Amazon.

And that’s exactly what he did. He didn’t hire a copy editor or a cover artist. And in this case he didn’t need either one. He’s been blogging this information for a long time. He’s also a Harvard grad and knows how to spell and how to begin and end a paragraph.

I’m glad he left this comment on my blog post yesterday, otherwise it might have taken me longer to find out he’d pubbed the book himself.

Ryan, thank you for the props! Your blog was one of the voices of encouragement that prompted me to do it–no cover artist or editor hired, so $0 investment on my part, other than a TON of my time…

The coolest thing about what Joe did by pubbing this book on Amazon is how many other people he’s going to help. Tony and I were both lucky enough not to have student loans from college, but we do have nieces and nephews with student loans right now. I don’t know one person without someone close to them without student debt right now.

But more than that, Joe did it the old fashioned way, right down to the way he published his book and the way he’s been talking about his experiences. He even says this in his latest blog post:

I’ve made the book available as part of Kindle Direct Publishing Select program which makes it free to Amazon Prime members. Alternatively, if the $3 cost represents a hardship for you, then please email me at nomoreharvarddebt@gmail.com and we can work something out. I extend the same offer to dedicated followers/commentors/encouragers–you know who you are!

The book is 2.99 and you can purchase it here. Last time I checked, it’s on three Amazon bestseller lists in the top 100. Even though I’ve read a lot of his posts I’m going to download a copy just to see what the book is like. I’ve always found the blogging to book concept fascinating. Especially when there’s substance to the book and the blog that no one else has done before.