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I was listening to Dave Ramsey’s show while he interviewed Zac Bissonnette, author of Debt Free U. To be fair, I haven’t read Zac’s book (I’ve been short on time), but based on the amazing amount of information he shared in a short interview with Dave, I am IMPRESSED.

Zac stands by state colleges instead of private colleges and supports the financial decisions of students who attend community college for their freshman and sophomore years as a way to save loads of cash.

I graduated from a private college and I loved it… but sometimes I wonder what life would be like if I hadn’t paid $26K a year. My degree would be the same… but I wouldn’t be carrying student loans.

Thanks to some awesome scholarship opportunities and grants, I graduated with ‘only’ $15K in debt. My friends did not fair nearly as well. Most have more than $100K in student loans.

If you have a child in high school, buy his book and read his articles at: http://www.dailyfinance.com/writers/zac-bissonnette/

You’ll need the help.

You can thank me later.

My husband and I are attending Financial Peace University (Dave Ramsey’s course) again. We attended the series two years ago but I missed nearly half when I lost my day job and started working nights.

The first class was this week and the facilitator asked if anyone was a returning student. My husband and I raised our hands along with one other couple. After the video, we gathered into a small group and were immediately asked if the course had changed our lives. My husband and I said it had and that we lived below our means.

‘Are you debt free?’ a classmate asked.

‘Um. No. We have about 10 grand left.’ I said, ashamed two years has passed and I’m still carrying financial baggage.

‘At least you are working on it. And you’re here!’ she said smiling.

The rest of the group talked about their struggles and goals for about 20 minutes and then we all headed home. It was nice to hear others are fighting the same things as me.

It’s funny that I can openly and fearlessly share every little detail about my debt with you but I’m completely ashamed to share it with the small group – then again, I don’t have to shake your hand every Sunday morning.

If you haven’t been through FPU, you should consider it. The lessons are great but more than that, you have someone to look you in the eye every week who asks… how did you do this week?

Suddenly, spending feels different.