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“I’m on a mission to change the way we pay for college. I dream that someday, every student who wants to go to college does it without taking on one penny of debt. There are so many different ways to pay for college now. If you’re willing to put in the time, effort, and forethought, you can make it happen."


Kristina Ellis

      Founder of College Ninja

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 If you’ve found your way here, it’s because you envision a different kind of future
for yourself or your child.
One that breaks free from the student loan narrative that has chained millions of college graduates to a life of financial struggle.
You dream of a future not only free from debt but one that seeds wealth at an early stage and blooms into a wildly successful life. That's precisely why College Ninja exists.


You can go to college debt-free, regardless of your family income, race, or career track. 

You don't have to be a valedictorian or star athlete to win scholarships.

Learning to win with money before you even start college can transform your life. 

With the right plan and strategy, you will become wildly successful!

I’m Kristina Ellis, and once upon a time, I stood where you are now.
I didn’t possess a fortune to pay cash for college, yet I refused to compromise on my dream life. A life-changing challenge was thrown at me during my freshman year of high school.
My mother informed me that the responsibility to pay for college was solely on my shoulders. Overwhelmed, yet spurred by her unwavering support and motivation, I found a path that led me to win over $500,000 in scholarships for college!
I've since written 2 books and traveled the country helping thousands of families navigate their own path to a debt-free degree.

 Going to college debt-free is not a far-fetched dream.

With an an effective strategy, and the right amount of effort, it can be your reality. In the journey of life, you are the hero.

We, at College Ninja, are here to equip you with the weapons of knowledge and tactics, to help you conquer the world of education without the burden of debt. You are the champion of your story, and we exist to help you emerge victorious!

So, are you ready to redefine the rules of the game?

Let's Go!

What will you learn from this site?



Choosing the perfect college for YOU and submitting all the right applications isn’t a simple process. Especially with the overabundance of information that is out there. My goal is to cut through the clutter and bring you the most valuable ideas and resources to help you stand out from the crowd and excel at the school of your choice.


College can be ridiculously expensive. Helping you navigate the costs is a huge priority for me, as it can set the financial foundation for the rest of your life. I'm here to provide you with strategies and tips that can make a big difference in your bottom line.


The end goal of winning in college is to achieve a successful career, which is why it’s important to start developing your vision now. Some colleges are much stronger in specific majors. That means your career aspirations can strongly influence which school is ideal for you. I’ll introduce you to a variety of career paths and programs, so you can get to know your options even better. 

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