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
You're Caught in the Middle-Class College Trap
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You make "too much" for financial aid 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 and saved a little.
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Every "expert" tells you something different. 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. 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.Worried about how you’ll cover the full cost of college, even with some aid?
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You're terrified of making a $200,000+ mistake. 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.
- You feel guilty about not having saved enough. 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.
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Student loans terrify you, but you don't see another option. 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. 7-8 million middle-class families are in this exact situation right now.
Hi, I'm Kristina Ellis
And I'm going to show you exactly what the colleges don't want you to know:Â 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 (published by Hachette Book Group), 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. Schools 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
🎯 Find Scholarships Your Child Actually Has a Chance of Winning
Stop wasting time on scholarships with super low odds. You'll learn where the "hidden" scholarship money actually is (hint: it's not where everyone's looking), and learn the exact search strategies that have helped our students win millions in awards.
đź’° Stack Multiple Funding Sources to Cover 100% of Costs
Scholarships are just one piece. You'll learn about employer tuition programs (some pay up to $25,000/year), early-action strategies that cut costs before you even apply, work-study opportunities, and creative payment plans that eliminate the need for loans.
đź“ť Create Scholarship Applications That Win
The difference between winning and losing isn't just your child's GPA. It's knowing what scholarship committees actually want to see. You'll get our proven templates for essays, resumes, and recommendation letters that make your child stand out even without perfect grades or athletic trophies.
⏰ Create Your Personalized Timeline So Nothing Falls Through the Cracks
From freshman year through graduation, you'll know exactly what to do and when. No more panic at midnight wondering if you missed a crucial deadline. You'll have a clear roadmap that takes the overwhelm out of the process.
🧠Sleep at Night Knowing You're Making Smart Financial Decisions
Most importantly, you'll make this massive financial decision with confidence, knowing you explored every option, maximized every opportunity, and didn't leave money on the table. Your child gets their education. You keep your retirement intact. Everyone wins.
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.
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.
Everything You Get Inside
The Debt-Free College Playbook
Your Step-By-Step System to Pay for College without Student Loans
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
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 Also Get These Powerful Fast-Action Bonuses
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
đź“ť 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
Frequently Asked Questions
Can't I just find this information for free online?
My child is already a junior/senior. Is it too late?
My child doesn't have perfect grades. Will scholarships really work for us?
What if our school counselor is already helping us?
How much time will this take?
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
One-time payment • Lifetime access • 14-day money-back guarantee
Total Value: $685+ for just $297
âś“ Instant access to all video modules
âś“ All 3 bonuses included
âś“ Works on any device
âś“ 14-day money-back guarantee
You're Standing at a Crossroads
Path 1: Keep Going Alone
❌ Continue feeling overwhelmed and confused about college funding
❌ Miss deadlines and opportunities you didn't know existed
❌ Watch your child take on $50,000-$200,000 in student loans
❌ Cosign debt that puts your retirement at risk
❌ Spend 10-15 years helping your child pay off loans instead of building wealth
❌ Watch your child delay major life milestones—buying a home, getting married, starting a business—because of debt
Path 2: Get The Playbook
✔︎ Follow a proven, step-by-step system used by 100,000+ families
✔︎ Know exactly what to do and when to do it
✔︎ Stack scholarships, aid, and creative funding strategies
✔︎ Send your child to college debt-free (or close to it)
✔︎ Keep your retirement plans intact
✔︎ Watch your child start adulthood with financial freedom instead of debt
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The difference between these two paths? $297 and the decision to start today.
