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Myths that Keep Your Kids in College Debt

Episode 101

Does the idea of paying for your kid’s college keep you up at night? Denise Thomas was terrified of her children being stuck with nearly lifelong crushing college debt so she got to work. After more than 7,000 hours of research she figured out how to help her kids win scholarships. Between the two of them they won over $199,000 in scholarships, each went to 4 years of college, and graduated debt-free with cash left over.

Denise emphasizes that her homeschooled teens weren’t geniuses or sports superstars. Her 6-step strategy is repeatable! In this episode she shares the story of how she and her family began this journey, the inside scoop on college applications and scholarships, and tips on how your kids can graduate from college debt-free, too.


"Back when I was in college, colleges were looking for what we now call the jack of all trades. You had to dabble in a little bit of everything. Many parents still believe that to be true. Yet another myth."

-Denise Thomas


About Denise Thomas

Denise Thomas is a TEDx speaker, international best-selling author, and coach to parents of college-bound teens. Her mission is to ‘flip’ the student debt statistic in the U.S. using her Cracking the Code to Free College strategy.

7,000 hours of research resulted in Denise’s proprietary, repeatable strategy that got both of her homeschooled teens accepted to every college applied to. They attended college on 17 scholarships exceeding $199,000, graduating college with cash left over. Denise says you can keep your money. Send your kids to college on other people’s cash! 

You can contact Denise through her website:

Money Mantra:

"College doesn't have to be a debt sentence."

-Denise Thomas


I always allow my guests to choose the theme if they would like to dress in costume with me. Denise made the perfect choice of graduation attire caps and gowns. She had a set from her son’s recent graduation and I was actually able to find the original tassel from my college graduation.

Follow the show on Instagram @moneyheartshow to see more pics of my costumes from each episode. I also include my guest’s costume when they choose to wear one.

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