Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster

by Anthony Oneal

You don’t have to spend decades paying off your student loans! You can destroy your debt fast and live a life of freedom.

You’ve been lied there’s no such thing as good debt. Debt sucks. Period. And that includes student loan debt. No matter what you believed—or were told—when you took out your loans, you need to get serious about getting rid of your debt fast, because it’s costing you more than you know. That’s why bestselling author Anthony ONeal wrote this motivating 64-page Quick Read—to show you why you need to dump your debt fast and how to do it.

If you have student loan debt and have never heard of Ramsey Solutions or the 7 Baby Steps, this 64-page Quick Read is for you. Anthony will walk you step-by-step through Baby Steps 1 and 2 to show you how to dump your debt forever. You’ll

The ugly truth about how debt hurts youThe importance of an emergency fund and how to budget (Baby Step 1)The power of the debt snowball (Baby Step 2)Exactly what to do to pay off your student loans fasterHow to control your money so it doesn’t control youYou’ll also hear stories from real people about how they paid off their debt fast You don’t need relief from your debt, you need to get mad at it. Because the truth is, when you get mad enough, you can pay off your loans faster than you ever thought possible—and take control of your money, and your life, for good! Don’t let anything stand in the way of your future. This plan has helped millions get out of debt and you’re next. You can do this!

Genres: Nonfiction, Audiobook, College, Money, Personal Finance, Finance

57 pages, Kindle Edition

Published April 7, 2020

About the author

ANTHONY ONEAL is the national bestselling author of The Graduate Survival Guide: 5 Mistakes You Can’t Afford to Make in College, and travels the country spreading his encouraging message to help teens and young adults transition into the real world.

Reviews

[John Wu, Jr. · Rating 4 out of 5]

Solid, quick read on how to pay off your debt. Like written in the preview, this book is motivational. It gets you pumped, and gives you some good tips along the way. I have never seen other books from Ramsay Solutions, so the tips are new to me considering that there are other reviews that said this book is just a shortened version of Dave Ramsay's books.

[Jenny · Rating 3 out of 5]

“The caliber of your future will be determined by the choices you make right now.”

Rounding up a 2.5 stars

This was a very quick listen & a great refresher on the Ramsey Baby Steps. If you’ve read any of Dave Ramsey’s books, you probably don’t need to read/listen to this unless you are looking for a summarized version. I was hoping for more insight into understanding the different types of student loans & options to refinance, but that was not included.

[Veronica Foley · Rating 5 out of 5]

Very motivating and lots of great tips. I highly recommend!!

[Mary · Rating 1 out of 5]

I have absolutely no takeaways from this book. I listen to Dave Ramsey and am familiar with the beliefs of all of the personalities but if you want a step by step as implied by the title, you might as well just follow the baby steps.

Not really related but I despise the discussions related to how much they hate when people take student loans. I'm relatively successful in my career, specifically related to salary, due to my degree. Having an engineering degree set a foundation that I could not achieve not having gone to school. I was only able to complete school because I have student loans.

Where I failed personally is wasting money on non-school related purchases and then not prioritizing paying off the debt causing me to incur tens of thousands of dollars of interests in over a decade...

[Matt Lancaster · Rating 2 out of 5]

For those who haven’t heard of the Ramsey plan, this book offers a quick overview of the process. For those who have, this book doesn’t offer much. I picked it up expecting a breakdown of how to tackle student loan debt (i.e. handling multiple loans, balancing federal and private, scenarios for consolidation, working through loans in marriage), but it’s really just an overview of the baby steps with a couple of personal anecdotes and success stories - which, to be honest, the podcast warns potential buyers about. The style was too conversational to really pull me in, and there’s just not enough new information to make it worth the (steeply discounted) buy.

[Avery · Rating 3 out of 5]

I don’t see that it said Ramsey Quick Read so I should have known.

That said this is for someone who is truly serious about paying off their debt load and is willing to make any sacrifice to make that possible. I highly recommend this book to those people. Even then, some of the advice is completely impractical like moving or getting rid of your car or getting more than one part time job. Definitely not the book for anyone with children already and this more serious advice makes more sense for childless people who have a lot of other expenses (rent/mortgage insurance car loans)

If you are NOT one of those people who wants the endless penny pinch but still want to tackle your debt load this book has some practical advice to tackling debt like tackling the smallest debts first and working up to big ones, buying smart (on sale, off brand coupons, and amazon/eBay etc), and cutting out money eating expenses like multiple streaming services, eating out all the time, and various miscellaneous subscriptions services. Just basic frugal living.

The heart of the advice is just thinking and BEING smarter about your money which is advice we all need and the advice I find practical really is the basics of saving money and paying off debt so I won’t harp too much on the more extreme tips.

[Nat · Rating 3 out of 5]

Really short recap of the debt snowball in Dave Ramsey's book. Nothing new here. Also student loans aren't bad it is being irresponsible with them that is. I don't believe that student loans should be your FIRST way of paying for college. But after grants, scholarships, parents help, paying out of pocket, working,etc. I see nothing wrong with taking out a SMALL amount of student loan debt. It's all about being smart. If my kid wanted to take out 10k of student loan debt for an engineering degree while commuting to a local school, I wouldn't have a problem with it. But if my kid wanted to take 100k debt for fund a philosophy degree at a private college and live in a lavish apartment, I'd encourage them to consider other options. I don't think student loans are unnecessary or evil, but I am appalled but the lack of financial knowledge of young people. A college education is a good investment in your future and if you have to take out loans to pay for it, I don't think that is bad as long as you are smart about it. Books like this help a little, but honestly it would be more helpful to read Dave Ramsey's whole book.

[Bill Hutcheson · Rating 4 out of 5]

Basic outline of ideas to implement

The book provides a basic outline of ideas to implement in order to succeed at destroying your debt. Simply put, work hard, eliminate excess spending, and pay your bills.

I like to hear DR speak on his podcast. He suggested a called interested but not fully locked in and committed. I don't think this books does enough to lock you in, however, at the very least, it makes you curious. From curious, I plan to check out Dave's book, total money makeover.

[Lindsey Scanlan · Rating 4 out of 5]

Very quick read that motivates you to tackle all your debt. It provides tangible advice on how to achieve daunting amounts of owed $$$$. I will definitely be referring to this quick read in the future once I am out of graduate school. I also feel motivation to start saving for my student loan interest payments now, while still in school. I would love to hear Anthony O’Neal’s opinion on this strategy.

[Bobbi Butler · Rating 3 out of 5]

Only reason that I gave it 3 stars instead of 5 was because it was basically Dave Ramsey’s Total Money Makeover in a cliff notes version. It was nicely written and a quick read but I guess I was looking for some secret that I didn’t know about getting out of debt. Good news is, after reading it I know exactly who I can give it to and hopefully change their lives.

[Hadley Brown · Rating 5 out of 5]

A quick and motivating read about tackling student loan debt. Just as a tip: don't read this if you're not really ready to make some sacrifices and say no. The steps work, but you need to have the mindset to make it happen. No one said paying off 10s of thousands (even hundreds of thousands) of student loan debt was easy.

[Lauren · Rating 5 out of 5]

I got to see this man speak and I really liked his approach. I don't necessarily have student date but I like the idea of keeping myself out of debt. It was a good 90 mins of Anthony himself, reading and giving good advice on savings and finances. It was good encouragement that some of the things that I have been doing over the last couple of years are on the right track.

I highly recommend.

[Judy · Rating 5 out of 5]

Very straight forward book! Excellent read! Highly recommend! Totally put things into perspective and gave me the motivation to start!

* The caliber of your future will be determined by your choices right now! *

~ Hebrews 12:11 ~
" No discipline seems pleasant at the time, but it yields a harvest of righteousness! "

[Rachel · Rating 3 out of 5]

If you haven’t read Total Money Makeover or taken Financial Peace University, this book would be a 5. However, it is basically just a book on Baby Step 2. I was hoping for something specifically geared to student loans. It wasn’t. At least he sympathized?

[Betsy Annie Lopez · Rating 4 out of 5]

Basically a repeat of the Total Money Makeover. I was hoping it gave more advice like if I should pay each one off individually and place them in their positions on my debt snowball or if I should just count them as one lump sum.

[Lillianis Cruz · Rating 3 out of 5]

If you read totally money make over, you may not need to read this one. I was hoping for more specific information on lowering student loan payments (info on consolidation, when to pay them off and how much, etc)

[Divina · Rating 5 out of 5]

Great! Gives solid motivation to take a bat the problem. Has great stories and short. Solidly worth your time if you have student loan debt. We all need a little motivation tackling this mountain! Highly worth the 1+ hr of time!

[Maya Gee]

A quick and informative read recommended by a friend who swears by it as many of the real-life people described throughout it do. It has some great information that I look forward to using as I begin learning how to "adult".

[Khadijah M · Rating 5 out of 5]

This was a good book with tips on how to make a budget and how to get out of debt. Anthony gave references to assist with you getting out of debt. Go to AnthonyOneal.com and select resources. I watch his videos on YouTube and he always gives good advice.

[Dee Dee · Rating 3 out of 5]

Not a bad book. However, the Total Money Makeover is the same book with more ideas within it. It did not provide more insight into student loans. If you have a student about to get out of college and don’t want to overwhelm them with all of Dave Ramsey’s concepts, then this is a good read.

[Kels Schiliro · Rating 4 out of 5]

Was very similar to Dave Ramseys books but more compressed. Focusing primarily on the goal of student debt relief. I liked the suggestions on what to follow/ listen to, to get fired up about paying off debt.

[Ralph Bankston · Rating 3 out of 5]

Very simple advice. Didn't realize it was a book from the Dave Ramsey school of financial advice.

[Dee’s Cozy Corner Brown · Rating 3 out of 5]

Dave Ramsey. Dave. Dave. Dave.

[Aria B · Rating 4 out of 5]

Good easy read. Not judgmental about taking out loans in the first place. Reminds you that you, in fact, can do it.

[Johnnysbookreviews · Rating 4 out of 5]

A solid book. It is a quick read, but it really reminds you of the key concept of Ramsey's baby steps: paying off debt as quickly as possible.

[Angela Ferguson · Rating 2 out of 5]

It was written well but very redundant of all Dave Ramsey type books. If you're familiar with the babysteps, especially the debt snowball, you may find some motivation here but nothing new.

[Dee · Rating 5 out of 5]

A condensed version of Dave Ramsey's Baby Steps.

[Johnny · Rating 3 out of 5]

Essentially, just do the Dave Ramsey thing.

[FELICIA JACKSON · Rating 4 out of 5]

Very informative

[Pastor G · Rating 4 out of 5]

Essentially a focused version of the Ramsey Baby Steps. The life example in the last chapter should be encouraging for those exiting grad school with a mountain of student loan debt.