Debt Management & Credit Optimization

Debt Management & Credit Optimization

$79.99
★★★★★ (203 reviews)

Course Description

The Debt Management & Credit Optimization course is designed to help you take control of your debt and improve your credit score with proven strategies. Whether you're dealing with student loans, credit card debt, mortgages, or simply want to optimize your credit profile, this course provides practical, step-by-step guidance to achieve your financial freedom.

What You'll Learn

  • How to assess your current debt situation objectively
  • Creating an effective debt payoff strategy (snowball vs. avalanche)
  • Understanding credit scores and what impacts them
  • Proven techniques to raise your credit score
  • Negotiating with creditors and debt collectors
  • Strategies for specific types of debt (student loans, mortgages, credit cards)
  • Using credit responsibly to build wealth
  • How to avoid debt traps and predatory lending

Who This Course is For

This course is perfect for:

  • Anyone struggling with debt of any kind
  • People looking to improve their credit score
  • Those who want to use credit strategically
  • Individuals preparing for major purchases requiring financing
  • Anyone who wants to understand the credit system better

Course Features

  • 8 comprehensive modules with 35+ video lessons
  • Debt payoff calculators and tools
  • Credit score improvement tracker
  • Templates for communicating with creditors
  • Step-by-step debt reduction plans
  • Sample credit dispute letters
  • Access to private support community
  • Certificate of completion
  • Lifetime access including all future updates

Course Curriculum

Module 1: Debt Assessment & Mindset

5 lessons (45 minutes)
  • Facing Your Debt Reality
  • Psychological Aspects of Debt
  • Organizing Your Debt Information
  • Calculating Your Debt-to-Income Ratio
  • Setting Realistic Debt-Free Goals

Module 2: Debt Payoff Strategies

5 lessons (55 minutes)
  • The Debt Snowball Method
  • The Debt Avalanche Approach
  • Debt Consolidation: When It Makes Sense
  • Refinancing Strategies
  • Creating Your Personal Debt Elimination Plan

Module 3: Credit Score Fundamentals

5 lessons (50 minutes)
  • How Credit Scores Are Calculated
  • Understanding the Five Credit Score Factors
  • Accessing and Reading Your Credit Reports
  • Identifying Credit Report Errors
  • Setting Credit Score Improvement Goals

Module 4: Credit Optimization Tactics

5 lessons (60 minutes)
  • Payment History Strategies
  • Utilization Rate Optimization
  • Credit Age Management
  • Credit Mix Improvement
  • New Credit Application Strategy

Module 5: Dealing with Specific Debt Types

4 lessons (45 minutes)
  • Student Loan Management
  • Credit Card Debt Strategies
  • Mortgage and Housing Debt
  • Auto Loans and Personal Loans

Module 6: Negotiating with Creditors

4 lessons (40 minutes)
  • When and How to Contact Creditors
  • Negotiating Interest Rate Reductions
  • Settlement Strategies
  • Dealing with Collections Agencies

Module 7: Credit Building & Responsible Use

4 lessons (45 minutes)
  • Strategic Credit Card Use
  • Authorized User Strategies
  • Secured Credit Cards and Credit Builder Loans
  • Using Credit to Build Wealth

Module 8: Staying Debt-Free

3 lessons (35 minutes)
  • Creating a Post-Debt Budget
  • Avoiding Debt Relapse
  • Building Financial Security

Meet Your Instructor

Jennifer Taylor

Jennifer Taylor

Credit Specialist & Debt Management Expert

Jennifer Taylor is a certified credit counselor and debt management specialist with over 10 years of experience helping individuals overcome debt challenges and improve their credit profiles. Prior to joining FinanceWise Academy, Jennifer worked at a non-profit credit counseling agency where she personally helped hundreds of clients eliminate over $15 million in debt.

Jennifer's teaching approach is both practical and empathetic, focusing on actionable strategies while addressing the emotional aspects of debt management. She believes that anyone can transform their financial situation with the right knowledge and support, regardless of their starting point.

She holds certifications in Consumer Credit Counseling and Debt Management from the National Foundation for Credit Counseling and the Association for Financial Counseling & Planning Education. Jennifer has been featured in Money Magazine and NPR discussing practical approaches to debt elimination and credit improvement.

Student Reviews

4.8 out of 5

★★★★★

Based on 203 reviews

★★★★★
87%
★★★★☆
10%
★★★☆☆
2%
★★☆☆☆
1%
★☆☆☆☆
0%
C

Carlos M.

February 5, 2024
★★★★★

I was drowning in $45,000 of credit card debt when I started this course. Jennifer's debt snowball strategy and negotiation scripts helped me reduce my interest rates significantly, and I'm now on track to be debt-free in 3 years instead of 15+. The credit score section was also eye-opening - my score has already increased by 85 points in just 4 months!

P

Patricia L.

January 17, 2024
★★★★★

This course completely changed my relationship with debt and credit. The templates for disputing credit errors helped me remove three incorrect items from my report, and my score jumped over 100 points! Jennifer explains everything in such a supportive way without judgment. If you're struggling with debt, this course is worth every penny.

B

Brandon T.

December 28, 2023
★★★★☆

Very comprehensive course with excellent practical advice. I was hoping for more strategies specifically for business debt, which is why I gave 4 stars, but the personal debt strategies have been incredibly helpful. The section on student loan management alone was worth the price of the course. Jennifer is a great teacher who clearly knows her stuff.