Click here to go back to the main Young & Scrappy website.


STOP feeling like debt rules your life and START taking control of your finances.


You feel like you’re drowning in debt. It’s scary and overwhelming and it seriously limits your ability to live how you want.

Sound familiar?

Luckily, it doesn’t have to be like this: the Young Scrappy Debt Course empowers you to demolish your debt--without leaving you feeling deprived.

You can become debt-free and start living a happier life!

Did you know?



  • You feel trapped.

    Maybe you feel like you're not making enough money to get out of debt, or just when you get a little bit ahead, another major expense pops up.
  • It's SO stressful.

    You feel like your money situation is so unmanageable that you don't even open your bills. You get a tight feeling in your chest when you think about checking your bank balance, or maybe you avoid checking it at all. 
  • And what's worse, lenders are taking advantage of you.

    To keep you in debt, banks and credit card companies make things purposefully confusing and count on the fact that lots of people don't have a high level of financial literacy.



You can DEMOLISH your debt

You can GET IN CONTROL of your money

You can BUILD wealth

... and we can help!

In the Young Scrappy Debt Course, You Will:

Identify and Replace Limiting Beliefs That Are Keeping You In Debt

Money is a mindset game, baby. What beliefs do you have that are holding you back that you don't even know are there?

Make Friends With Your Numbers

Get a handle on how much money you have coming in, where it goes, how much debt you have, and how you might spend in a way that better supports your financial goals.

Create A Sustainable Plan

Figure out the smartest way for you to demolish your particular debt so that you don't feel deprived and you can...

Actually Make Progress

Our 6 training modules are designed to be studied one week at a time to eliminate information overload, helping you stay motivated and accountable!


An Easy-to-Use Budget Template

A Debt Repayment Calculator

A Net Worth Spreadsheet

A Glossary of Debt Terms You Need to Know

A "25 Ways to Re-imagine Your Spending" Checklist


A Full, Written Debt Plan Template!


Hi, I'm Michelle.

I created the Young Scrappy Debt Course because too many people are feeling totally trapped and hopeless about their debt, and IT DOESN'T HAVE TO BE LIKE THAT.

In my 3+ years as a financial coach, I have helped DOZENS of clients get rid of over $300,000 in debt and I've seen what a tremendous change it's made in their lives.

I want to help as many people get rid of their debt, so that they can stop stressing out, and start spending their money and time in ways that makes them happy AND wealthy.


Get immediate access to all our lessons, templates, and other resources. 


Take 6 weeks to focus on fixing your mind and your money. 


You did it! Go forth and prosper, my debt-free friend.

Here's what we'll cover together in the course.


Welcome to the Young Scrappy Debt Course 

  • Full printable project plan and course calendar
  • Net Worth bonus module
  • Debt Terms Glossary bonus module
  • "25 Ways to Re-imagine your Spending" bonus module
Module 1:

Getting Right with Your Money Mindset

  • What's Your Money Story?
  • Cleaning Up Negative Thoughts Around Debt & Money
  • Identifying Your Debt Payoff "Why"
Module 2:

Debt 101: Demystifying the Math

  • How Much is Your Revolving Debt Costing You?
  • How Much is Your Installment Debt Costing You?
  • Debt & Interest Rate Key Takeaways
Module 3:

Pulling Your Debt Numbers Together

  • What Debt Info Do You Need, and Where Do You Find It?!
  • Using the Vertex 42 Debt Spreadsheet Calculator
  • Identifying Your Debt Payoff Goals
Module 4: 

Budgeting For Debt-Busters

  • Where Money Goes, Part 1: Recurring Bills & Subscriptions
  • Where Money Goes, Part 2: Spending Money
  • Where Money Goes, Part 3: Planning for Savings Goals and Surprises
  • Putting It All Together with Your Budget Planner
Module 5:

Strategies for Paying Down Debt

  • Classic Debt Payoff Methods: Avalanche vs. Snowball & More!
  • Using 0% Balance Transfers to Save on Interest
  • Using Personal Loans to Consolidate High-Interest Debt
  • Refinancing Your Car, Mortgage, Student Debt, & Installment Loans
  • Other Payoff Tips
Module 6:

Finalizing and Sticking to your Debt Plan

  • Mapping Out Your Debt Payoff Plan
  • Planning for Obstacles
  • Keeping Accountable With Your Monthly Money Date

14-Day Money Back Guarantee

In this course, you will go from feeling anxious and overwhelmed by your debt to feeling confident and motivated about paying it down. By following our holistic debt planning process, you can free up money and mental energy to focus on what really matters: building the future of your dreams.

If you decide within 14 days of purchasing the Young Scrappy Debt Course that it's not right for you, simply email [email protected] to request your full refund, no questions asked and no strings attached. 

Here’s what you’re getting when you enroll today:

The Young Scrappy Debt Course - $497 Value

  • BONUS #1: The Net Worth Tracker - $100 Value
  • BONUS #2: Debt Terms Glossary - $100 Value
  • BONUS #3: 25 Ways to Re-Imagine Your Spending Checklist - $300 Value

When you add it all up, that’s a total value of $997.

But when you enroll today, you’ll get access to everything for just $197!


Ready to make this the year you finally get control of your debt situation? Then let's get to work!


50% Complete

Two Step

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.