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Three Courses · One Path

Choose Your First Step to Freedom

Each course is $197 — a one-time payment with lifetime access and a 30-day money-back guarantee. No subscriptions. No hidden fees.

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Step 1 · Foundations
Debt Free Foundations

Understand exactly where you stand, build a personalized payoff plan, and set the foundation for lasting financial change.

  • Debt snapshot & net worth audit
  • Interest rate & fee deep-dive
  • Custom 12-month payoff roadmap
  • Budget builder worksheet
  • 6+ hours of video training
  • Lifetime access & community
$394 $197

One-time payment · Lifetime access

Enroll — $197 →

🔒 30-day money-back guarantee

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Step 3 · Mindset
Money Mindset Mastery

Break the psychological patterns that keep you in debt and build an abundant, healthy relationship with money for life.

  • Identify your money story
  • Overcome spending triggers
  • Abundance vs. scarcity mindset
  • Long-term wealth habits system
  • 7+ hours of video training
  • Lifetime access & community
$394 $197

One-time payment · Lifetime access

Enroll — $197 →

🔒 30-day money-back guarantee

Best Value

Get All 3 Courses — The Complete Debt Free Bundle

Take the full journey: understand your debt, pay it off faster, and rewire your money mindset for life. Everything you need, together.

$591 $497 Save $94
Get the Full Bundle — $497 →

🔒 30-day money-back guarantee · Lifetime access to all 3 courses

Course 1 · Foundations

Debt Free Foundations

Most people are overwhelmed by debt because they don't have a clear picture of what they owe, what it's costing them, or where to start. This course fixes that. You'll leave with a complete understanding of your financial situation and a custom roadmap to get out — step by step.

  • 01
    The Complete Debt Audit
    List every debt, interest rate, minimum payment, and payoff date in one place.
  • 02
    Understanding True Cost of Debt
    How compound interest really works and why minimum payments keep you trapped.
  • 03
    Your Net Worth Snapshot
    Calculate exactly where you stand today so you can measure your progress.
  • 04
    Building Your Zero-Based Budget
    Assign every dollar a job and find hidden money you didn't know you had.
  • 05
    Your 12-Month Payoff Roadmap
    A personalized, realistic plan with milestones, targets, and accountability systems.
  • 06
    Emergency Fund: Your Financial Safety Net
    Why you need one before going all-in on debt payoff — and how to build it fast.
Enroll in
Debt Free Foundations
$394 $197

One-time · No subscription

  • ✓ 6+ hours of on-demand video
  • ✓ Debt audit worksheet & templates
  • ✓ Zero-based budget builder
  • ✓ 12-month payoff roadmap template
  • ✓ Private community access
  • ✓ Lifetime access + future updates
  • ✓ Certificate of completion
Enroll Now — $197 →
🛡️ 30-day money-back guarantee, no questions asked
Course 2 · Accelerate

The Payoff Accelerator

You have a plan — now it's time to execute it faster than you thought possible. The Payoff Accelerator gives you the advanced strategies, scripts, and systems used by people who eliminate debt years ahead of schedule.

  • 01
    Debt Avalanche vs. Snowball: Which is Right for You?
    A data-driven breakdown of both methods with a framework to choose the best fit.
  • 02
    The Expense Audit: Finding Hidden Cash Flow
    Systematically cut spending without feeling deprived — free up $200-$500/month.
  • 03
    Negotiation Scripts That Actually Work
    Call your creditors and lower your interest rates using our proven word-for-word scripts.
  • 04
    Balance Transfer & Refinancing Strategies
    When (and how) to use 0% transfers and refinancing to slash interest costs.
  • 05
    Side Income Quick-Start Guide
    10 proven side hustles you can start this weekend to throw extra cash at your debt.
  • 06
    Windfalls & Debt Payoff Windfalls
    How to handle tax refunds, bonuses, and unexpected cash to maximize payoff speed.
  • 07
    The Accountability System That Keeps You on Track
    Monthly check-in framework, progress tracking, and how to bounce back from setbacks.
⚡ Most Popular Course
The Payoff Accelerator
$394 $197

One-time · No subscription

  • ✓ 8+ hours of on-demand video
  • ✓ Negotiation scripts (word-for-word)
  • ✓ Expense audit spreadsheet
  • ✓ Side income quick-start guide
  • ✓ Balance transfer calculator
  • ✓ Private community access
  • ✓ Lifetime access + future updates
  • ✓ Certificate of completion
Enroll Now — $197 →
🛡️ 30-day money-back guarantee, no questions asked
Course 3 · Mindset

Money Mindset Mastery

The final piece most people miss: your relationship with money is psychological. Emotional spending, fear, scarcity thinking, and old stories about money keep people broke even when they know what to do. This course breaks those patterns for good.

  • 01
    Your Money Story: Where It All Began
    Identify the childhood beliefs and family patterns shaping your financial decisions today.
  • 02
    The Psychology of Debt & Spending
    Why we overspend, self-sabotage, and how to interrupt those patterns permanently.
  • 03
    Scarcity vs. Abundance Thinking
    The mindset shift that changes how you earn, spend, save, and relate to money.
  • 04
    Identifying & Overcoming Spending Triggers
    Map your emotional spending triggers and build a response system that breaks the cycle.
  • 05
    Building Wealth Habits That Stick
    The science of habit formation applied to financial behavior change — for life.
  • 06
    Redefining Your Relationship with Money
    Create a new personal "money constitution" — the beliefs and values that guide your financial future.
  • 07
    Life After Debt: Building Lasting Wealth
    Transition from debt payoff mode to wealth-building — investing, saving, and giving.
Enroll in
Money Mindset Mastery
$394 $197

One-time · No subscription

  • ✓ 7+ hours of on-demand video
  • ✓ Money story workbook
  • ✓ Spending trigger audit worksheet
  • ✓ Habit-building system & tracker
  • ✓ Guided mindset exercises
  • ✓ Private community access
  • ✓ Lifetime access + future updates
  • ✓ Certificate of completion
Enroll Now — $197 →
🛡️ 30-day money-back guarantee, no questions asked
At a Glance

Compare the Courses

What You Get Foundations Payoff Accelerator Mindset Mastery
Price $197 $197 $197
Video Hours 6+ hrs 8+ hrs 7+ hrs
Worksheets & Templates ✓ ✓ ✓
Custom Payoff Roadmap ✓ ✓ —
Negotiation Scripts — ✓ —
Mindset & Psychology Content — — ✓
Side Income Guide — ✓ —
Private Community ✓ ✓ ✓
Lifetime Access ✓ ✓ ✓
30-Day Guarantee ✓ ✓ ✓
Certificate ✓ ✓ ✓
Enroll → Enroll → Enroll →
🛡️

30-Day Money-Back Guarantee

We stand behind every course 100%. If you go through the material, do the work, and don't feel it was worth it — email us within 30 days for a full refund. No hoops, no hassle, no questions asked. Your investment is completely risk-free.

Student Results

What Our Students Are Saying

★★★★★

The negotiation scripts alone paid for the course 20x over. Called my credit card company, lowered my rate from 24% to 14%, and saved thousands in interest. Unreal.

👩
Amanda F.
Marketing Manager · NYC
10% rate cut
★★★★★

I bought all three and did them in order. Month 14: I'm completely debt free. I genuinely didn't think that was possible 18 months ago. Worth every single penny.

👨
Tyler W.
Software Dev · Austin, TX
Debt-free 🎉
★★★★★

The Mindset course broke patterns I didn't even know I had. I used to blow money every time I was stressed. Now I invest instead. It's been a total transformation.

🧑
Monique H.
Therapist · Seattle, WA
Investing now 📈
Common Questions

Frequently Asked Questions

All courses are delivered through our online learning platform as on-demand video lessons, worksheets, and downloadable resources. You get instant access the moment you enroll and can learn at your own pace, on any device.
Absolutely. These courses were built specifically for people who feel overwhelmed by debt — whether it's $5,000 or $150,000. The Foundations course in particular is designed to help you get clarity no matter where you're starting from.
No. Each course stands on its own and delivers real results independently. That said, the three courses are designed as a progression: Foundations → Accelerator → Mindset. Many students find the combination especially powerful. The bundle saves you $94.
Lifetime access — forever. All future updates and additions to the course material are included at no extra charge. You can revisit the content anytime you need a refresher.
We offer a 30-day money-back guarantee on all courses. If you complete the coursework, apply the material, and don't feel it was worth your investment, contact us within 30 days for a full refund. No questions asked.
We understand that money is tight for most people coming to us. Contact us at support@debtfreeacademy.com and we'll work out a payment arrangement that fits your situation. We've never turned anyone away for financial reasons.
The core strategies and mindset principles apply worldwide. While some examples use US-specific products (credit cards, student loans), the frameworks are universal. We have students from over 40 countries.
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