Become debt-free. Stay debt-free.
Stop guessing your way through debt. Learn the proven system to organize your balances, eliminate debt faster, build lasting financial habits, and create a personalized payoff plan that fits your real life—not an ideal one.
"Freedom from debt doesn't happen by chance—it happens one intentional decision at a time. I'll show you exactly how to make those decisions."— Kim Starks
What you'll learn
What you'll be able to do
- Build a personalized debt payoff strategy using Avalanche, Snowball, and hybrid methods.
- Organize every debt into one clear payoff roadmap with a realistic timeline.
- Stop living paycheck to paycheck by creating a spending plan that works in real life.
- Negotiate lower interest rates and understand your options before paying another dollar.
- Build an emergency fund while paying off debt—without feeling like you're starting over.
- Develop lifelong money habits that keep you debt-free long after your balances reach zero.
How it works
A Proven Path Out of Debt
No guesswork, no shame, and no one-size-fits-all advice. Follow a practical system that helps you eliminate debt, stay motivated, and build lasting financial freedom.
Know Exactly Where You Stand
We'll map every debt, interest rate, payment, and due date so you have a clear picture and a realistic starting point.
Build Your Payoff Strategy
Choose the best repayment method for your situation, lower interest where possible, and create a personalized plan with a real debt-free date.
Stay Debt-Free for Life
Learn the habits, budgeting systems, and money mindset that prevent debt from returning and help you build lasting financial security.
The curriculum
What's inside your school
6 modules · 20 lessons
The Truth About Your Debt
Students confront the real nature, psychology, and cost of debt so they can move from shame and avoidance to clarity and committed action.
- 1.1Why Debt Feels So Heavy (And Why That Changes Today)Included
- 1.2How Debt Really WorksIncluded
- 1.3The True Cost of Doing NothingIncluded
Your Complete Debt Inventory
Students build a thorough, accurate picture of every debt they owe, creating the foundation for every strategic decision that follows.
- 2.1Tracking Down Every Dollar You OweIncluded
- 2.2Building Your Master Debt InventoryIncluded
- 2.3Reading the Numbers That MatterIncluded
Choosing Your Payoff Strategy
Students evaluate, select, and begin executing the debt payoff method — Snowball or Avalanche — best matched to their personality and numbers.
- 3.1The Debt Snowball — Wins That Build MomentumIncluded
- 3.2The Debt Avalanche — Saving the Most MoneyIncluded
- 3.3Which Strategy Is Right for You?Included
- 3.4Finding Extra Money to Accelerate PayoffIncluded
Negotiating and Consolidating Your Debt
Students learn to communicate directly and confidently with creditors and explore consolidation tools to reduce interest costs and simplify repayment.
- 4.1Negotiating Lower Interest RatesIncluded
- 4.2Settling a Debt for Less Than You OweIncluded
- 4.3Debt Consolidation — Pros, Cons, and PitfallsIncluded
Your Personalized Debt Elimination Plan
Students synthesize everything learned into a written, milestone-driven debt elimination plan with a real, committed payoff date.
- 5.1Designing Your Debt Elimination RoadmapIncluded
- 5.2Setting Milestones and Celebrating ProgressIncluded
- 5.3Handling Setbacks Without DerailingIncluded
Staying Debt-Free for Life
Students build the financial habits, safety nets, and mindset shifts that prevent debt from ever returning after payoff.
- 6.1Building Your Emergency Fund First BarrierIncluded
- 6.2Spending Guardrails That Actually WorkIncluded
- 6.3The Debt-Free Mindset — Rewiring How You Think About MoneyIncluded
- 6.4Your Life After Debt — What to Do With the Money NextIncluded
Who it's for
Is this you?
The Minimum-Payment Trapper
You've been making payments for years, but your balances barely shrink. Learn why that's happening and follow a proven plan to finally become debt-free.
The Recent Graduate
Student loans and new financial responsibilities feel overwhelming. Build a realistic payoff plan that works with your income and your life.
The Fresh-Start Seeker
Life threw you a curveball—medical bills, divorce, job loss, or another setback. This school gives you a clear, judgment-free path back to financial stability.
The Debt Avoider
Looking at your balances fills you with anxiety, so you've been putting it off. We'll help you face your debt one manageable step at a time until you feel back in control.
The Family Provider
You want to stop living under financial pressure and create a more secure future for the people who depend on you. This school helps you eliminate debt with confidence and purpose.
The Ready-for-Freedom Achiever
You've already started paying off debt but want to reach the finish line faster. Discover smarter repayment strategies, negotiation techniques, and long-term habits that save money and keep you debt-free.
Questions
Frequently asked
Your teacher
A note from your teacher
Kim Starks
If you've ever looked at your debt and felt completely overwhelmed—the kind of feeling that's equal parts stress, guilt, and "I don't even know where to begin"—I want you to know something first: you're not alone. And more importantly, you're not stuck. Debt isn't a life sentence. It's a problem that can be solved with the right plan.
I created Destroying Debt School because I kept meeting hardworking people who were doing everything they knew to do—making payments, cutting expenses, trying to stay afloat—yet their balances barely changed. They weren't failing because they lacked discipline. They were missing a roadmap. No one had ever shown them how to build a strategy that actually works.
That's exactly what this school gives you. We'll start by understanding your complete financial picture instead of avoiding it. Then we'll build a personalized payoff plan around your numbers, your income, and your goals. You'll learn proven repayment methods, negotiation strategies that can save you thousands, and practical habits that keep you moving even when life gets messy. Every lesson is designed to give you one clear next step.
This isn't about chasing perfection or surviving on rice and beans. It's about creating a system you can actually live with—one that helps you eliminate debt without sacrificing your future or your peace of mind. Progress matters far more than perfection, and small, consistent wins are what create lasting freedom.
My hope is that, by the end of this school, you'll feel something that's even more valuable than having less debt: confidence. Confidence that you know what you're doing. Confidence that you're in control. And confidence that you'll never have to feel trapped by debt again. I'm excited to help you get there.
— Kim Starks
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- 6 modules, 20 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed