I got this email from a mom of an 11-year-old today. Her son carved this hilarious pumpkin, and she wanted me to see it.
“Hi Jeannie, My son was at your study skills class a few weeks back and will be at your scholarship writing seminar on Saturday, November 2nd, 2019. He took to heart your advice on student debt. Below is a picture of his Halloween pumpkin, Student Loans—the scariest thing he could think of . . . Thank you for all you do!”
Ha ha ha ha ha ha!
This boy is only 11, but his mom and I have already got him clear on this important concept: student loans are to be avoided if at all possible.
Fortunately for him, his parents are using multiple strategies that are going to help him with this mission.
To see why parents bring middle schoolers to my half-day workshops—even though these workshops would seem at first glance to be more suitable for high school, college, and grad students—read this article.

To be sure you’re notified about your next opportunity to take one of my half-day workshops, sign up for email updates on this page—and then add me to your “safe senders” list using the directions you see here—so you’ll hear from me right in your primary email inbox.
As of this moment it’s not too late to sign up for my November 2nd, 2019 session but doors are closing soon.
Have you seen a hilarious pumpkin carving this holiday season? I’d love to see it in the comments below!
Remember, impressing upon your kids the idea that student loans are to be avoided whenever possible is only a small part of the picture when it comes to getting your kid through college debt-free.
For clear, step-by-step help with the whole debt-free college process from beginning to end, get your copy of my book:
Important—> It’s a reference book, so nobody reads the whole thing cover to cover. Pick out what you need to read in it using the fast-paced, 10-minute video instructions here.
You can see hundreds of reviews of this book on Amazon by going to:
You can see why financial advising professionals love LAUNCH, here.
You can see the top 9 questions parents are asking me about LAUNCH, here.
Read just one chapter of LAUNCH every 1–3 months while your child’s in middle school and high school, and you’ll know every viable strategy for debt-free college at exactly the right time to implement it.
And if your child’s already well past middle school? That’s OK; you can run to catch up. But the process of getting your kids through college debt-free goes more smoothly the earlier you start it—especially if you’re not planning to save up any money to pay for college.
Let's you and I walk together toward the goal of debt-free college for your kids.
We can accomplish this no matter your current income level—even if your kids never get a single scholarship.
Your first step is getting regularly scheduled, free helpful articles from me—right in your email inbox. Quick, sign up here.
Do you have very specific questions for me about debt-free college and career for your kids?
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Who is Jeannie Burlowski?
Jeannie is a full-time academic strategist, podcast host, and sought-after speaker for students ages 12–26, their parents, and the professionals who serve them. Her writing, speaking, and podcasting help parents set their kids up to graduate college debt-free, ready to jump directly into careers they excel at and love. Her work has been featured in publications such as The Huffington Post, USA Today, Parents Magazine, and US News & World Report, and on CBS News.
Jeannie also helps students apply to law, medical, business, and grad school at her website GetIntoMedSchool.com. You can follow her on Bluesky @jburlowski.bsky.social.
No part of this article was written using AI.