Paying off debts isn’t easy, especially when there are other financial hurdles to overcome. We spoke to Kelly and Wayne Peiffer, a 27-year-old couple from New Jersey who managed to pay off debt worth $116,000 (£86,000) in just 42 months. Despite paying rent and bills and working full-time jobs, the couple managed to completely squash their student loans and other debt. They told us their secrets to achieving financial freedom.