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My Interview with Rachel Cruze

by Tom Bottorf

I was privileged to have some time with Rachel Cruze, nationally recognized author and speaker. You’ve likely heard her dad, Dave Ramsey, on the radio talking about getting out of debt and STAYING out of debt. Rachel’s passion is working with young adults and guiding them down the path of debt-free living, including graduating from …

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Testimony from a Debt-Free Graduate

by Julia Mestas

I am blessed that I graduated college debt-FREE. In fact, I graduated with money in the bank! I am not the norm, I realize this. I’m in the minority because of smart decisions and painful sacrifices I made (with the help of my parents) along the way. Parents play a HUGE role in the college …

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Baby-Boomers Are $43 Billion In Debt Due To College Loans

by Chuck Moore

College loan debt is now the largest consumer debt other than a home mortgage. When someone thinks of college debt they are normally referring to student loans taken out by the 20-something group. However, more and more individuals that are in their 40’s, 50’s, 60’s, and even 70’s are becoming a fast growing group of college …

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ZERO-Debt College… Can It Be Done?

by Tom Bottorf

Let me begin by immediately cutting to the chase, and answering the question with an emphatic “YES”! Your child can indeed earn a college degree and graduate debt-FREE! Just in case you’ve not noticed, the world continues to change at an incredibly fast pace. And it’s not all for the good. A generation ago when …

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Back to Basics: Stop Grade Inflation

by Tom Bottorf

Grade Inflation is hurting our kids. Call me old-fashioned, but my wish is that we can get back to some basics… like rewarding performance and not boosting grades beyond legitimate achievement. What a concept, eh? The following notice was recently sent to parents and students in our local school district: “Once again this year, the …

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The Student Debt Burden…Who is to Blame???

by Lawrene Bottorf

Who is to blame for the massive student loan debt? The first lesson to teach a college student is BEFORE college, and that is that we are all responsible for our OWN actions.

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Student Loan Bubble… Worse than the Mortgage crisis?

by Lawrene Bottorf

WOW…the news just keeps getting worse. Yet the number of students we see from government schools who are completely ill prepared, not only academically, but financially continues to grow. National Center for Education Statistics • The growth of federal student loans outstanding in the past decade ($583 billion) is larger than the size of the …

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The Numbers Are In: Unemployment for Many Professions At All Time High

by Lawrene Bottorf

Check The Numbers For those students who think they know what they want to do… please check to see if you will be able to put food on the table with your chosen field of study. For some professions, a 4-year degree is unnecessary. Many students are being admitted to grad school who are unlikely to …

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