Richard Holzmuller is an American author. After 12 years of post secondary education, completing an M.B.A., dropping out of the doctoral program, and publishing his doctoral study proposal, he paid his massive $209,000 student loan debt in 2018. In 2019 he published his coming of age book describing many of the dramatic events that unfolded while he was trying to find his way, and payoff his student loans. Now he's on a plane every week, coming or going from domestic and international destinations.