Send Your Child to College Debt-Free,
Even If You Haven't Saved a Dime
The Debt-Free College Playbook is the step-by-step system that shows families exactly how to pay for college without student loans, cosigning debt, or derailing your retirement
Kristina's work is trusted by 100K+ families
$500K+
Scholarships Won by Kristina
100K+
Students Helped
Watch: How This System Works
You're Caught in the Middle-Class College Trap
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You make "too much" for financial aidÂ
But not nearly enough to write a $30,000-$60,000 check every year without stress. The financial aid formulas punish middle-class families who've worked hard.
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Every "expert" tells you something different.Â
Your school counselor says to just fill out the FAFSA. Your neighbor swears by their college savings plan. Online forums are full of contradicting advice. Meanwhile, deadlines are passing and you're paralyzed by information overload.
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The scholarship search feels impossible.Â
You've heard scholarships exist, but finding them feels like searching for needles in a haystack. Your child applies to a few and hears nothing back. It seems like scholarships only go to valedictorians or athletes, not regular kids with good grades.Â
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You're terrified of making a $200,000+ mistake.Â
This is one of the biggest financial decisions your family will ever make. One wrong move [the wrong school, missing deadlines, not knowing about aid programs] could saddle your child (and you) with decades of debt.
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You feel guilty about not having saved enough.Â
Life happened. The mortgage, medical bills, helping aging parents, surviving the pandemic. Now college is here and you're facing the brutal reality that you're not financially prepared, and your child's future hangs in the balance. -
Student loans terrify you, but you don't see another option.Â
You've heard the horror stories of people still paying student loans in their 50s. You swore your child wouldn't start adulthood $100,000 in debt. But when the acceptance letters arrive, what choice will you have?
If any of this resonates, you're not alone. Millions of families are in this exact situation right now.
Hi, I'm Kristina Ellis
And I'm going to show you exactly what the system doesn't want you to know: there is a way to pay for college without student loans, even if you're starting late and haven't saved much.
I know this because I graduated from Vanderbilt University completely debt-free after winning over $500,000 in scholarships. Since then, I've helped over 100,000 earn millions in scholarships.
I became a bestselling author, spoke to millions as a Ramsey Personality, and built College Ninja to help families like yours escape the debt trap.
The college funding system is designed to confuse you. It's complex on purpose. They profit when you don't know all your options. But when you understand how the system actually works, you can beat it.
What You'll Be Able to Do After This Program
🎯 Build a Strategic Scholarship Portfolio That Actually Matches Your Child's Profile
Stop applying randomly to every scholarship you find. You'll learn how to build a strategic portfolio, targeting the right mix of national, regional, and local opportunities based on your child's unique strengths. Most families only know about the mega-competitive scholarships everyone applies to. We'll show you where to find the hidden opportunities (local community awards, regional foundations, industry-specific scholarships) where your child's application gets read by humans, not filtered by algorithms.
đź’° Stack Multiple Funding Sources So Loans Become Unnecessary
Scholarships are just one piece. You'll learn about employer tuition assistance programs (some paying $5,000-$25,000/year), early-action strategies that slash costs before you apply, work-study opportunities, and creative payment plans. Most families have no idea these opportunities even exist. When you know how to stack these sources strategically, many families find they can cover costs without taking on debt.
📝 Master the Strategic Framework That Makes Applications Stand Out
Here's what most families get wrong: they think scholarships go to whoever has the highest GPA. That's not how it works. Committees are looking for students who align with their mission, tell a compelling story, and demonstrate impact. You'll learn the strategic framework committees actually use to evaluate applications, and how to position your child's unique experiences and strengths in a way that resonates. This isn't about filling in templates; it's about understanding what makes applications compelling. (You'll get templates as starting points, but the real value is learning to think strategically.)
⏰ Have a Clear Roadmap from Freshman Year Through Graduation
No more 2am panic wondering if you missed something critical. You'll have a clear roadmap showing the key actions to take each year, from 9th grade through senior year. The major scholarship windows. The critical financial aid forms. The strategic decision points most families miss. You'll know what matters most and when to focus on it.
đź§ Make Your College Funding Decision with Complete Confidence
Paying for college is one of the biggest financial decisions your family will ever make. Your child could graduate with minimal or no debt and start life with financial freedom, or face years of loan payments that delay every major milestone. The difference often comes down to having a clear system and using it. You'll have the confidence knowing you explored every option, maximized every opportunity, and didn't leave a dollar on the table.
What You'll Get Inside The Debt-Free College Playbook
A Complete, Step-by-Step System to Graduate Debt-Free
The Debt-Free College Playbook is a self-paced online course with 6 comprehensive modules that walk you through finding scholarships your child can actually win, writing applications that stand out, stacking multiple funding sources, and building a debt-free plan, even if you're starting late.
This isn't theory. This is the exact system I used to win $500K in scholarships, and the same strategies 100,000+ students have used to avoid student debt.
Module 1: Welcome to Your Debt-Free Future
✔ Why $220,000 in Student Debt Destroys Lives (And How to Avoid It)
âś” The Millionaire Mindset: Why Your 20s Determine Your Wealth
Module 2: The Strategic Foundation
✔ The Cost Trap: Why College Choice Is Your Biggest Financial Decision
✔ How to Calculate What College Really Costs (Beyond the Sticker Price)
✔ The College Search Strategy That Maximizes Your Offers
✔ The ROI of Your Major Matters More Than You Think
✔ The Strategic Application Process: Stop Applying Like It's a Lottery
Module 3: The Scholarship Hunt
✔ Understanding the Scholarship Landscape (Where the Real Money Is)
✔ Where to Find Millions in Scholarship Money
✔ How to Search Like a Scholarship Winner
Module 4: The Winning Application
âś” Creating Your Competitive Edge
✔ Organizing Your Activities Into a Resume That Opens Doors
✔ How to Write Scholarship-Winning Essays
✔ Tell Your Story Like a Winner
✔ Getting Powerful Recommendation Letters
✔ Stand Out With Video Submissions
Module 5: Build Your Full Financial Strategy
✔ Financial Aid Made Simple
✔ Early Actions That Cut College Costs
✔ Jobs That Actually Pay for Your Education
✔ The Smart Way to Save for College
✔ Live Rich on a College Budget
Module 6: Go Forward and Win
✔ The Beginning of Your Success Story
You Also Get These Powerful Bonuses đź’°
đź“‹ Bonus #1: Comprehensive Scholarship & College Tracker
Keep your process organized like a ninja. Track deadlines, requirements, and application status in one place so nothing slips through the cracks.
Value: $97 - Yours FREE
📝 Bonus #2: Done-For-You Template Pack
60+ pages of proven templates for everything from resumes to recommendation requests to financial aid appeals. Stop starting from scratch and use what already works.
Value: $97 - Yours FREE
đź“… Bonus #3: The College Timeline
Know exactly what needs to happen when. From freshman year through senior year, you'll never wonder if you're on track or missing critical opportunities.
Value: $97 - Yours FREE
How It Works
Enroll & Get Instant Access
The moment you enroll, you'll get immediate access to all course modules, templates, trackers, and bonus resources. No waiting. Start learning tonight.
Follow the Step-by-Step System
Work through the modules at your own pace. Whether you're a freshman parent getting started early or a senior parent racing against deadlines, the system adapts to where you are. Each module builds on the last, taking you from overwhelmed to confident.Â
Watch Your Funding Strategy Come Together
You'll see your debt-free plan taking shape. Scholarship applications submitted. Employer programs explored. College lists refined. Financial aid forms completed correctly. One step at a time, you'll build a comprehensive funding strategy, and watch the student loan burden disappear.Â
Real Families, Real Results
"I want to share how much you've helped my son. He followed your advice and was awarded a full scholarship at USI and IU. It pays for everything! Your tips made such a difference! Each day we are learning about more scholarships he has won. He is elated to see all of his hard work pay off!  I am telling everyone we know about you because the advice worked!"Â
-Amber, ParentÂ
“Kristina’s advice changed our lives. We used her scholarship strategies and saved $60,000 on our daughter’s tuition. Now she’s on her way to med school, debt-free!”
— The Miller FamilyÂ
"It happened! I got several scholarships totaling a FULL-RIDE!! I'm so grateful!"Â
- Aliyah, StudentÂ
"I won three outside scholarships this week! So far on this journey, I have won over $30,000 in external scholarships because of you. Baylor University is expensive, but I can proudly say that I will be going to Baylor debt-free my first year! I'm still waiting on more scholarship decisions and will keep applying like it's my part-time job. You have impacted my life for the better!"
-Vanessa, Student
You're Standing at a Crossroads
Path 1: Keep Going Alone
❌ Spend hours Googling "how to pay for college" and get conflicting advice
❌ Miss scholarship deadlines you didn't even know existed
❌ Risk your child graduating with significant debt
❌ Cosign loans that put YOUR retirement at risk
❌ Feel guilty every time your child stresses about money
❌ Worry about your child's financial future being limited by loan payments
Path 2: Get The Playbook
✔︎ Follow a proven, step-by-step system designed to give you clarity
✔︎ Know how to find scholarships your child is qualified for and has a strong chance of winning
✔︎ Write strong applications using our strategic framework and templates
✔︎ Stack scholarships, aid, and creative funding with the goal of covering college costs
✔︎ Protect your retirement plans
✔︎ Give your child the financial freedom to pursue life goals, like buying a home, traveling, building wealth, without being held back by loan payments
The difference between these two paths? $297 $197 and the decision to start today.
But What If...
"But what if my child doesn't have perfect grades?"
This system works for regular students—not just valedictorians. Most of our students have 3.0-3.5 GPAs and still win thousands in scholarships. The secret isn't perfect grades; it's knowing where to look and how to present your child's unique story. We'll show you exactly how to do that.
"But what if we're already juniors or seniors? Is it too late?"
No! You can still win scholarships right up until graduation. Many families start late and still graduate debt-free. The key is knowing where to focus your limited time. We'll show you the highest-ROI actions to take right now, even if you're racing against deadlines.
"But what if we don't qualify for financial aid?"
That's exactly why scholarships matter so much. If you make "too much" for need-based aid but not enough to write a $200,000 check, scholarships are your path forward. Merit scholarships, employer programs, and strategic school selection can cover costs without needing financial aid at all.
Frequently Asked Questions
Can't I just find this information for free online?
How much time will this take?
What if our school counselor is already helping us?
Is this just for certain majors or types of students?
🛡️ 100% Money-Back Guarantee
Try The Debt-Free College Playbook completely risk-free for 14 days.
If you go through the program and don't believe it's worth at least 10x what you paid, just email us within 14 days and we'll refund every penny. No questions asked, no hard feelings.
You have nothing to lose and a debt-free future to gain.
Get The Debt-Free College Playbook Today
Complete Program + All Bonuses
$297
$197
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• 14-day money-back guarantee
âś“ Instant access to all video modules
âś“ All 3 bonuses included
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