Discover the Path to a Debt-free Degree for Your Child.

Join Debt-Free Degree Lab Today!

You don’t have to figure out paying for college alone. Access top college experts for a fraction of the cost and join other families securing a debt-free degree for their child.

START WORKING ON A DEBT-FREE DEGREE NOW!

DFD Lab is your personal blueprint of how to pay for college, providing step-by-step training, tools, and guidance to move your family closer to a debt-free degree...

...and actually feel sane, smart, and “oh my gosh we can actually DO this” in the process.

College is worth attending. But at what cost? 

Our goal? To help your family pay as little as possible for college. 

"I've already learned so much that the average parent has no clue about. Keep it up!!!!"

Hi, I'm Jocelyn Paonita Pearson. 

And I've cracked the code to a debt-free degree.

Hey there! I’m so excited you and your family have chosen to say “NO” to the ridiculous college price tag and decades of student loans.  

I’m Jocelyn Paonita, founder of The Scholarship System. I know how confusing and overwhelming this whole paying-for-college journey can be.  

You may feel like you’re going in circles trying to figure out how to afford college, ideally without your child taking on loads of student debt or you pulling from retirement, home equity or whatever other desperate act to find the money. Yet you still can't see any light at the end of the tunnel.  

You don’t want money to hold your teen back. You want them to be able to go to a good college, maybe even their “dream college”, but you also feel like it’s your responsibility to keep your teen from making a major financial mistake. You’ve got the feeling that if you just knew the RIGHT steps, you’d be golden - but with all the advice out there… you don’t know which way is up.  

I’d LOVE to help you get things straightened out, so you can help your student pursue their dream career, without being buried in student loans or money being tight for the family.  

Our private membership is currently open for enrollment only for a few days and as you’ve landed here, my guess is that you want to find out more :) so all the information you need is below.  

We’re just beginning with this journey but have helped thousands secure scholarships for college, helping them in their path to a debt-free degree. Now, we want to cover ALL the strategies, from A to Z, and I’d love to help you too.  

I am confident you will find the tools, tricks and tips required to make your ‘paying-for-college process’ as smooth as possible. Remember, the path to a debt-free degree is a journey. And we will help guide you along that journey. No more struggling trying to figure it all out by yourself, come and join us and let’s make this process as simple and stress-free as possible.  

JOIN DEBT-FREE DEGREE LAB NOW!

See you on the inside, 

 Jocelyn

What is the Debt-Free Degree Lab?

DFD Lab is a monthly membership to help you navigate the process of paying for college as easily, quickly and stress-free as possible.  

We are pooling knowledge from top college funding experts around the country and combining it with the community and support your family needs.  

Think of it as your one-stop shop for streamlined trainings and support to help your family’s dream of debt-free college into reality (for a fraction of the cost). 

It’s a place to keep you focused on the best strategies for your family (without needing to scour the whole internet for the next right step or spend thousands on multiple different consults).  

We will help take you from overwhelmed, frustrated, and unsure of where to begin with paying for college... to having confidence in the decision, a plan on how to pay, and the best deal for your student.  

In the end, our goal is to help your student receive a debt-free degree. 

Over 530,000 Students Graduate Debt-Free Every Year*

Why not your child?

... But we don't qualify for aid 

I've heard it so many times - "How the #*&$ do they expect us to cover that much? It's impossible!" We hear you. That's why we cover strategies to increase your chances of receiving financial aid, identify schools with the potential of aid, and other strategies for those who truly don't receive anything.

... But my child isn't a whiz-kid

Doesn't have to be. We've found hundreds of schools that offer money to average students. Same with scholarships. And even so, there are so many other strategies regardless of GPA or test scores.

... But we are already swamped

Do you have 15 minutes to spare during your lunch break? Then can knock out one of our videos. We purposely keep all trainings bite-sized so you can sneak in a lesson whenever you have a minute. And even if you want to knock it all out at once, our Lab Lessons ae always less than an hour.

... But everyone borrows for college

Not on my watch! We've helped families all over the country get their child a quality education without having to borrow money. Even those already in college - we've helped students eliminate what they originally had to borrow. You can do it, too.

Here's (JUST SOME OF) what you get...

Four Stages to Getting
a Debt-Free Degree

01

Stage One: Develop the Plan

  • Mind and Motivation Sessions with Dr. Maggie Wray
  • Turning Passions into Involvement
  • Getting Competitive
  • Digital Footprint & Social Media with Alan Katzman
  • Student Budgeting and Finance 101
  • Standardized Testing
  • Homeschooling & the College Process
  • Supporting Teens to OWN the Process
  • And more!

02

Stage Two: Decipher the Options

  • Calculating the Cost of College
  • Uncover Your Best Financial Fit Colleges
  • Finding Personal Fit
  • Choosing a Major to Maximize your College ROI
  • Using the Common App to Save Time and Money
  • How to Go to Grad School Debt-Free
  • Gap Years
  • Securing Funding for College Athletes
  • Understanding Yourself to Write Value-Based Essays that Win
  • And more!

03

Stage Three: Discover the Funding

  • Paying the Bill Basics
  • Financial Resources and Their Impact on FAFSA
  • Submitting the CSS Profile
  • Filling Out Financial Forms (Including the major 2024 FAFSA updates!)
  • FAFSA Bonus Bundle
  • Financial Aid Offers and Appeals
  • Comparing Financial Aid Offers to Drive Costs Down
  • Which Bucket? When? With Sam Feeney
  • Maximizing 529 College Savings Plans
  • Student Loans
  • And more!

04

Stage Four: Diminish the Gap

  • Securing Scholarships for College
  • Essay Writing to Improve Chances of Winning
  • Creative Ways to Save Thousands on College Expenses
  • Saving on College Credits
  • Creative Ways to Make Money in College
  • Unique Financial Strategies to Help Fund College
  • Real Estate Investing to Save
  • Maximizing Internships to Make More Money
  • Family Budgeting: Managing Money the Right Way
  • Soft Skills to Help Lower College Bills
  • College Tax Credits and Savings Strategies
  • And more!

UNIQUE STRATEGIES & SOLUTIONS FROM TOP EXPERTS

  • The combined expertise of top college funding experts who, combined, have helped thousands of families around the country save 8-figures on college.
  • Monthly access to our action-oriented “Lab Lessons” where you’ll be guided through a new strategy each month to help your family work towards a debt-free degree in a stress-free way! Because avoiding student debt is our main goal, and keeping you sane is a close second! 
ACCESS DEBT-FREE STRATEGIES NOW!

FAST SUPPORT WHEN YOU GET STUCK

  • No more relying on college faculty who don't have your best interest at heart, nor waiting for counselors who are overwhelmed themselves.
  • Admission into our "Lab Hours" with one of our coaches. Two times per week, every single week, we host live Q&A calls to help you work through any challenges you or your student is facing when it comes to the college process. Mental clarity, ahoy!

COMMUNITY OF LIKE-MINDED PARENTS SAYING "NO" TO STUDENT LOANS

  • Access to our members-only private Facebook group—AKA a close-knit community of generous, like-minded families who love to support others even more than they love to request help!

DOORS CLOSE JANUARY 23RD

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*Doors won't open again until at least half a year*

Here’s what will happen when you join: 

1 PLAN: We’ll help you create your “Debt-free Student Success Plan” 

No more going in circles - we’re going to help you get complete clarity around what you need to do in order to reduce the cost of college and minimize the amount of student debt (or savings) you need. We’ll start with getting clear on:  

  • What opportunities your student has for a debt-free degree
  • How to maximize financial aid and get the lowest price possible from the university your student chooses
  • How to fill the gap between financial aid and a debt-free degree
  • How to implement strategies year-after-year to avoid student loan debt entirely

2 LEARN: We’ll provide you unique yet simple strategies

Once you have your plan for success, we’ll show you step-by-step how to do what you need to do to see results through our library of Lab Lessons. No more feeling stuck or worrying about missing something. 

3 IMPLEMENT: We’ll help you to implement the best ideas

We’ll then help you implement the strategies through live, online workshops and Q&As, accountability partners and more. You won’t be doing it alone.  

4 SUPPORT: We’ll provide personalized help for your family

Support on tap 24/7. Have a burning college funding question, need feedback on what your family’s situation, need recommendations for colleges or just need support? We’re all here to help you (our entire community!) We even have a psychologist come in to help through any emotions during this process (because, let's face, when aren't emotions involved with our children? Plus don't forget about the 2x/week live Q&A calls!  

Ultimately, we're going to help you quickly implement the best strategies for your child to graduate debt-free!

MORE MONEY

We’re going to help your family uncover debt-free money to help pay the college bill.  

MORE FREE TIME

Because getting to a debt-free degree is going to happen so much faster.  

MORE MOTIVATION

We’re here to help you kick your student into action when they fall off track. :)  

MORE FUN

This should be exciting, not stressful! 

AND MOST OF ALL, LESS STRESS

Instead of spinning your wheels wondering what to do, we’ll show you!  

Focus. Clarity. Guidance. Support.

So what does a month in the DFD Lab look like? 

Week 1 — Relevant Hand-picked Strategy & Lab Tool

+ That "Monthly DFD Study Guide" so you know where to focus for that month based on your child's school year!

Week 2 — Bonus Expert Interview or Monthly Mindset Session with Dr. Maggie Wray

Week 3 — #WorkWeek Check In to hold you accountable

Week 4 — #RebelHangout Sessions - Recap, Q&A, Trivia, and more!

PLUS 2x per week LIVE Strategy Sessions - Use them when you need!

AND DON'T FORGET ABOUT THE BONUSES

1) College Cost Calculator

The clarity you’re after so you can accurately decide between your student's college choices… but it goes much further than that, allowing you to see the loan payments if you borrow the remaining balance AND compares them to the average salary based on your student’s career choice. 

You’ll get access to this next month once we start discussing colleges.

2) Motivating Your Child Bonus

Want your student to own the process? Can't seem to motivate them and don't want to jeopardize your relationship?  

Dr. Maggie Wray walks us through motivating your teen and helping them overcome stress, step-by-step, to show you quick and easy strategies that will help. After this, you’ll know exactly how to handle this process with your teen so that THEY are owning most of it (taking a load of stress off your shoulders AND theirs). 

3) Debt-Free Degree Dictionary ($97 Value)

Are you ever confused by all the acronyms and terminology when doing your research? In our DFD Dictionary, you’ll have all the critical terminology you need at your fingertips so you can relax and focus on what you need to do, not stressing on what the form or instructions even mean! 

4) Weekly LIVE Q&A Sessions ($897 Value)

We want to make sure your family doesn't get stuck. That's why we've invested in having coaches accessible twice per week - one time during the day, one time in the evening - for all members to jump on the live call and ask questions. This call is for ALL members, no matter how long you've been a #RebelFamily! Think of this as an almost personalized one-on-one. If you were to hire a consultant, they'd charge $150+/hour! This is included in DFD Lab for FREE.

5) Private #RebelFamily Members-Only Community ($197 Value)

Another bonus we have is our DFD Lab members-only community! Join thousands of other families in the paying-for-college process so you can experience true camaraderie and get your questions answered by parents going through what you’re working on! We also celebrate wins, give prizes, host Q&As, post scholarships, and so much more here!

FINAL DAY BONUS

Masterclass + Hot Seat - 5 Proven Elements to Scholarship-Winning Stories

FOR THOSE WHO JOIN TONIGHT ONLY - We're holding a Masterclass and Hot Seat. I'm going to give you the 5 most important aspects of a scholarship-winning essay and application.

AND we're going to CHOOSE STUDENTS to
submit their materials ahead of time and get detailed, personalized feedback.

It's going to be:

  • Actionable - providing implementable advice (not just theory).
  • Prioritized - giving you the most important changes to get the biggest results.
  • Personalized - giving your family an opportunity to get individual feedback.

Get the same information others pay thousands for.... All for one flat monthly fee…

(Hint: as one member put it, for less than Chipotle for your family...).

$41/month

Annual Plan

  • » Instant access to ALL trainings
  • » Live Q&A call monthly
  • » Live Expert call monthly
  • » Monthly "Lab Hours"
  • » Private community of other families, just like you
  • » Membership price: $497 per year (2 months free)
  • » 30 day refund period, so you can try it out
  • » PLUS Special Annual Plan Bonus (details below)

$49/month

Monthly Plan

  • » Instant access to ALL trainings
  • » Live Q&A call monthly
  • » Live Expert call monthly
  • » Monthly "Lab Hours"
  • » Private community of other families, just like you
  • » Membership price: $49 per month
  • » You can cancel at any time
  • » 30 day refund period, so you can try it out

**Also, you'll be grandfathered in at this price and protected from future price increases.

Bonus Added for Annual Members

JOIN DFD LAB NOW!

Annual DFD Members get exclusive access to TWO of our most popular resources! Join The Debt-Free Degree Lab as an Annual Member today and you'll receive our Money Multiplier Worksheet and our Bonus Case Study: Top Tips for Quick Results from DFD Families Who Earned Over $237,800!

How can these bonuses help YOU? Here's the scoop:

The Money Multiplier Worksheet This worksheet will help you stand out among the crowd of applicants by arming you with the proper “additional materials” you can include with your application!


The Bonus Case Study breaks down real members' stories on how they quickly implemented strategies and earned over $237,800 in scholarships. This will save you time by identifying which strategies have the biggest impact AND reduce the overwhelm by demonstrating WHAT WORKS.

Want both The Scholarship System Course & Debt-Free Degree Lab membership?

Save $900 with our package deal - Only available THIS WEEK until doors close!

  • The Scholarship System - $1,297
  • Debt-Free Degree Lab - $588
  • Total Combined Price - $1,885

ACCESS TO BOTH FOR ONLY $997

(UNTIL JANUARY 23RD ONLY)

PURCHASE PACKAGE DEAL

Take a Peek Inside! 👇

But is this right for us? 

DFD Lab families are the most driven, dedicated families when it comes to minimizing student debt, or out-of-pocket costs, when it comes to paying for college. They want the best for their student but are also willing to desert the beaten path in order to find a better way for paying for college.

They’re active participants with positive attitudes. They aren’t excuse makers and they don’t threaten to give up when the process gets tough, they give constructive feedback, and understand the importance of graduating from college debt-free.

Sound like you and your family? Then you belong here.  

This applies to these families who:


  • Have students in high school (any grade) or college (up to senior year).
  • Have low income OR moderate income level to where you won’t receive financial aid to cover the bill.
  • Are stuck in the middle of the income levels - where you can’t cut a check to pay for college, but you also aren’t awarded any aid.
  • Have students with all sorts of test scores or GPAs - your student does not need a perfect GPA or high SAT score to benefit from DFD Lab.
  • Don’t want to pay thousands of dollars for a college consultant, yet want access to helpful information for the college process.
  • Want their children to have the opportunity to pursue their dreams after college, versus be buried in student loan debt. 

We're so confident you'll love the information, we offer a 30-day moneyback guarantee. 

We think you'll love this program! :D Still, we stand behind our promises. That means, once you join us, you have 30 days to claim a refund if you feel like the DFD Lab isn’t for you or has offered you no value. Just contact us at [email protected] and we will issue your refund immediately, no questions asked.

HELP YOUR STUDENT SECURE A DEBT-FREE DEGREE TODAY!

A Few of Our Existing Lab Lessons:

Our Lab Lessons are about 45 minutes each, broken down into bite-sized, actionable videos.

After 5 years of bringing the best experts in the field to our members, we now have dozens of lab lessons covering a broad range of topics on paying for college. No matter the topic, we now have a go-to directory to walk you through that step in the process (and will continue to build this library for you each month with a new lesson!)

Who is Debt-Free Degree Lab For?

Parents/Guardians with:

Freshmen — Many students are only focused on getting situated in high school for this first year. That is okay! If your family wants to join DFD Lab, we suggest utilizing lessons created around building competitiveness, involvements, time management skills, athletic scholarships (if that's their thing) and more that we have accessible in the DFD Lab Library.

Sophomores — While sophomore year is also still early, some strategies have to be implemented by fall semester of junior year which means we need to learn them prior to that. This is mainly around tax and FAFSA strategies. Students can also focus on the lessons mentioned for freshmen, including involvement, leadership activities, getting competitive, athletic scholarships, test prep, and more.

Juniors — Here we go! Nearly every single strategy inside Debt-Free Degree Lab is applicable now! We highly recommend families joining by junior year in high school to maximize the strategies in all categories and topics. If you wait until senior year, you may feel stressed by how many opportunities you have! The earlier, the better. There will be FAFSA and tax strategies to increase financial aid offers, college search tips, writing essays, test taking, time management, the list goes on! But don't worry - as long as you're a member, you can revisit each lesson as many times as you need!

Seniors — Senior year - where many families focus on admissions and then realize LAST MINUTE that they need to figure out the bill! It's never too late to strategize and implement strategies (Read college students below!) but we want to kick it into high gear if your student is in their senior year! Finding the right financial fit, maximizing financial aid with FAFSA strategies, negotiating and appealing with colleges, writing essays, and so much more! Every lesson except transferring credits applies now!

College Students — Did you know it is NOT too late to change what you're paying for college even after your student is already there? It's true! In fact, nearly all strategies are applicable to families with college students with the exception of choosing a college (unless they want to transfer - we have a lesson on that, too!) Making Money in College, Saving Money in College, Negotiating and Appealing, Payment Plans, Credit Card Hacking, Tax Strategies, FAFSA Strategies, and so much more all apply to your family!

Some Love From Our Community

FAQs

1) THERE ARE A LOT OF OTHER OPTIONS OUT THERE -- IN FACT, I HAVE 5 OTHER COURSES SITTING ON MY COMPUTER, WAITING FOR ME. WHAT MAKES THE DFD LAB DIFFERENT?  

  • First, the DFD Lab is NOT “another course” or even “another membership group.” It’s so much more… and LESS. Yes, less. We know you’re already overwhelmed with ideas, content, courses, and information. That’s why we will help you start with the end in mind and figure out what you need to do TOMORROW to get you where you need to be with the paying-for-college process. 
  • Then we give you the specific steps to get there… and make sure you get it. Your family is never left alone to figure it out on your own.  
  • Focus. Accountability. Guidance. Support. And a whole bunch of laughter to go along with it.  

2) HOW MUCH DOES IT COST TO BE A MEMBER?  

$49 per month but this price will absolutely increase next time we open the doors. Anyone who gets in at this all-time low rate will be grandfathered in for life.  

3) CAN I PAY ANNUALLY?  

Sure! You save $91 (which is nearly 2 months free) when you pay annually!  

4) CAN I CANCEL AT ANY TIME?  

Yes, but we hope you won't! You can cancel really easily by contacting us at [email protected].

5) CAN I GET A REFUND?  

We stand behind our promises. That means, once you join us, you have 30 days to claim a refund if you feel like the DFD Lab isn’t for you or has offered you no value. Just contact us at [email protected] and we will process it immediately, no questions asked.

6) OUR FAMILY IS JUST STARTING THE COLLEGE PROCESS… DOES MY STUDENT HAVE TO BE A SENIOR OR HAVE CHOSEN THEIR COLLEGE TO DO THIS?  

No, not at all. In fact, we actually can help those who have yet to choose a college even more! So the younger, the better! We welcome passionate, dedicated newcomers.  

7) OUR STUDENT HAS ALREADY CHOSEN THEIR COLLEGE. IS THIS JUST FOR THOSE WHO HAVEN’T STARTED THE PROCESS YET?  

Nope! If you’ve already chosen a school, there is still tons of opportunity to cut cost the cost of that school and find debt-free money to cover the bill. Remember: it is an ongoing process to graduate debt-free.  

You’re also familiar with what I call the “college process roller coaster.” Just when you think you’ve got it all figured out, a new set of problems arise to test your patience, determination, and commitment! When tackling the college process, we are always encountering the unknown. And wherever you are in that journey, the DFD Lab is here to help you out.  

8) OUR STUDENT IS ALREADY IN COLLEGE. IS THIS JUST FOR THOSE WHO HAVEN’T STARTED COLLEGE YET?  

The biggest opportunity is for families with students who have yet to begin college. Still, college students certainly have the opportunity to cut costs and secure debt-free money while already in college. We already have lessons that will apply to your situation so yes! 

9) WHY DO YOU LIMIT ENROLLMENT PERIODS?  

We are absolutely dedicated to making sure each and every one of our members receives the royal treatment when they join. We limit enrollment to a few times a year so we can create an experience where new members are warmly received, supported, and guided to all that the DFD Lab has to offer.  

By holding dedicated enrollment periods, we can dedicate time and resources to welcoming each new “class” of members.  

10) WE LIVE IN THE SOUTH/THE NORTHEAST/WEST COAST… MY STUDENT ISN’T A STRAIGHT-A-STUDENT/ATHLETE/LOW INCOME… MY STUDENT DOESN’T KNOW WHAT THEY WANT TO MAJOR IN... WILL THIS HELP US?  

YES. These are common myths when it comes to paying for college (don’t worry - we will bust those once you join us!). It doesn’t matter if your student has a less-than-perfect GPA/ACT/SAT score, doesn’t know what they want to do with their life or if your family has a decent income level, we can help you!  

 Don’t just sit on the sidelines, admiring those families whose children are debt-free... become one of them. 

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JOIN DEBT-FREE DEGREE LAB BEFORE DOORS CLOSE!