We have all read headlines featuring a fortunate college-bound student who has received $100,000 or more in scholarship awards. Assuming that the scholarships were renewable annually, this amount could easily pay for four years of college at any American college or university. However, these success stories are the exception, not the rule. They are aberrations among the pool of millions of aspiring college students who submit scholarship applications to the hundreds of companies, foundations and non-profit groups that offer them. The reality is a much different, and sobering, picture. According to the 2014 edition of Peterson’s Scholarships, Grants and Prizes, nearly every student who earns a four-year degree graduates with student loan debt, which currently averages about $23,300. 101 Scholarship Applications: What It Takes to Obtain a Debt-Free College Education was written specifically to address the issue of college loan debt, and help students and their parents identify scholarship opportunities, as well as develop strategies for submitting applications and winning awards. This book’s author, Gwen Richardson, is a parent who spent nearly two years carefully researching scholarship sources for her teenage daughter, who entered college debt-free as a freshman. The highlight of this book is a comprehensive listing of more than 101 scholarship sources, including award amounts, eligibility requirements and direct website links. All sources have been vetted and researched for accuracy.

If you are one of the millions of people who have hundreds or even thousands of dollars of credit card debt and want to seriously get out of debt and live debt free, then this simple, step-by-step, easy to follow plan is for you. In this book, you will have all the tools you need to get out of debt and stay out of debt. You will discover how to get control of your finances, how to create a monthly cash budget, how to eliminate credit card debt quickly, and have the skills you need to master your money. Start today and get serious about getting out of debt and saying goodbye to credit card debt for good. You CAN experience true financial freedom.

Praise for Author’s Last Book:
“Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others.
–Creditcardinsider.com

If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte–and cut up all your credit cards–this is the book for you.

Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her.

So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years.

In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer–and stay out of–credit-card debt.

In this much-needed book, you’ll learn:
Why a one-size-fits-all approach to credit card debt doesn’t work.
How to use the Money Personality Quiz to customize your own debt escape plan.
The nine biggest debt mistakes and how to overcome them.
Seven secrets for giving your credit score a quick boost.
how to overcome the hardships of medical bills.
How to debt-proof your future so this never happens to you again!

Discover the Top 5 Secrets to Graduating College Debt-Free! If you’ve ever wondered whether it’s true … REALLY TRUE … that … you can … • Graduate college owing little to NO debt … • Have someone else pay for your college education… • Not have your parents pay a single dime for your college education… • Get money for college without you having the highest GPA or SAT scores… • Get paid to go to college • Not have to worry or stress about how you will pay next semester’s tuition • Win scholarships when everyone else says it’s impossible or a waste of time … then … allow Shanice Miller to PROVE it to you. Shanice entered the summer before college without having any knowledge about college or scholarships and was easily on her way to being over $200,000 in debt when she graduated. After realizing just how much college was going to cost, she knew she had to do something fast so she started applying for scholarships. By graduation day, Shanice had graduated college 100% debt-free and had even received over $10,000 in refund checks from the college. What turned Shanice Miller around? The answers are between the covers of How to Graduate College Debt-Free With Money in the Bank. Now All of These College and Scholarship Secrets Are Yours!

Learning how to handle Money Too many people do not know how to handle their money. From budgeting to savings to investing people just do not know what to do. They let their money control them instead of them controlling their money. Do you see yourself living from paycheck to paycheck? Have you let investment opportunities pass you by? Why has this happened to you? It has happened and will continue to happen until you learn how to handle money. If you are ready to take control of your financial life and take charge of your money, then now is the time to read this book and change your financial life forever. Welcome to the road of financial freedom and independence.

Founder of MyDebtFreeCollege.com, Kevin Y. Brown, author of 10 Ways Anyone Can Graduate from College DEBT-FREE: A Guide to Post Graduate Freedom reflects back on his college experience…”If I have to take out a loan for college, I’m dropping out!” is what he said to his dormitory hall director, a few days in to college. With zero knowledge of the college, financing system Kevin took it upon himself to be proactive and take control of his college finances. Upon graduation, Kevin proved to have kept his promise to himself and today he is free of any college debt. With approximately 37 million student loan borrowers having outstanding student loans and people in the 18 to 24–age bracket spending nearly 30% of their monthly income on student loan debt repayment there is a need for a guide to help students navigate the financial aspects of college life and avoid the pitfalls of student loans and related college debt. 10 Ways Anyone Can Graduate From College DEBT-FREE provides: • 10 proven strategies that can help students avoid student loan debt • Personal stories of the authors experience with each strategy • A list of over 100 scholarships valued at over $10 million dollars • Consequences of defaulting on student loans • An understanding of the various types of financial aid • Up-to-date data on life-time earnings vs. education levels • Current data on and the state of the student loan debt crisis

How to Get Out of Debt

Quickly eliminate your debt forever!

Power down your debt by following proven simple Biblical principles. Learn how to:

Create Your Own Personal Financial Statement(PFS) and Find Your NET Worth

Finances do not need to be so complex. I show you what makes up a Personal Financial Statement and how to read it. What a great and not so great financial statement looks like. You will learn what your true NET worth is and how “getting rich” is really a simple matter of changing a negative to a positive or “greater than” to a “less than”.

Increase Your Income and Learn What the Bible Says About Income

That means digging into the different types of income. I show you what retirement really means and that it is definitely possible to retire young and retire rich. Also, what the Bible says about being rich. Learn how to get started with new investments such as real estate or buying an existing business. I show you some simple checks and balances for reviewing a business before you buy it.

Analyze Your Expenses and Eliminate Unnecessary Expenses

Using your Personal Financial Statement/NET Worth Calculator (* Bonus (no-cost) download from my website) you will see the expenses that you can eliminate that will help you get out of debt quickly. I show you the difference between a good debt and a bad debt and why not all debt is bad.

Get Out of Debt Using My KO Debt Plan

Learn how to knock out(KO) your debt one at a time. Your goal should be to live debt-free and with my KO Debt Plan you can achieve that at an accelerated pace. I show you specific examples of the simple process of removing your debt. In addition I will show you:

• What your financial action plan should look like
• Why you should tithe
• How much money you should tithe
• How much house you can really afford and why you shouldn’t rely soley on real estate agents and bankers.

Note: These principles are based on what it says in the Bible. Regardless, if you are “religious” or not you can benefit from applying these methods. I am not interested in preaching to you but I am excited to share what I have learned and the freedom that comes along with being debt-free.

About The Author
If you know me, you know that my mind never rests. I like to get things done. I like to try new things. And most of all, I like to succeed. While success may mean different things to different people we can all agree that winning is always better than losing. My desire for you is to minimize the times you lose.

My investments include businesses, real estate and stocks. I strive to help others maximize their time and succeed financially as well as personally. I hate bad debt! Also, I love to write and actively cover financial, business (marketing, social media & blogging) and lifestyle topics on my blog (http://5minaday.com)

Learn how to get out of debt. Scroll up &click the buy button now.

Product Features

• Used Book in Good Condition

Money- it’s a word no one can feel neutral about. Authors and money-management experts Lyle and Tracy Shamo say, “Like it or not, meeting basic needs has nothing to do with poverty and everything to do with how well we manage our money.” In this practical guidebook, the authors will help you take control of your money, teaching you how to pay off your debt-including your mortgage and car loans- and stay out of debt. Advanced computer software (included on a CD-ROM that comes with the book) will help you assess your financial status, learn more about where your money is going and discover how to channel it to the right places.

If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:

figure out how much you’ve actually been spending
• calculate how much you owe—and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be free of consumer debt in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life.

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.

Discover the Top 5 Secrets to Graduating College Debt-Free! If you’ve ever wondered whether it’s true … REALLY TRUE … that … you can … • Graduate college owing little to NO debt … • Have someone else pay for your college education… • Not have your parents pay a single dime for your college education… • Get money for college without you having the highest GPA or SAT scores… • Get paid to go to college • Not have to worry or stress about how you will pay next semester’s tuition • Win scholarships when everyone else says it’s impossible or a waste of time … then … allow Shanice Miller to PROVE it to you. Shanice entered the summer before college without having any knowledge about college or scholarships and was easily on her way to being over $200,000 in debt when she graduated. After realizing just how much college was going to cost, she knew she had to do something fast so she started applying for scholarships. By graduation day, Shanice had graduated college 100% debt-free and had even received over $10,000 in refund checks from the college. What turned Shanice Miller around? The answers are between the covers of How to Graduate College Debt-Free With Money in the Bank. Now All of These College and Scholarship Secrets Are Yours!