So, you’re thinking about getting a degree. But do you truly know what lies ahead?

Author and financial coach Charles A. Chadwick Jr. does—and he’s lived it. In College Debt or Skill Set: A Critical Choice for Success, Charles takes you behind the scenes of the college hustle, sharing how he paid for two degrees without external help and slashed his costs by 40% using one powerful strategy: a skill set.

Told through the empowering sermons of The Pastor of the Student Loan Disaster, this audiobook mixes real-life experience with actionable advice to help you make smarter choices. Whether you're a student, parent, or job seeker, this guide helps you:

✅ Cut college costs and limit student debt