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Valuable perspectives on how to tackle student loan debt from a man who earned two degrees and paid off all college debt with the help of ONE thing!So, you're thinking about getting a degree. But do you know what lies ahead? Author Charles A. Chadwick Jr. knows... and he knows it all too well. Charles, like many of us, was raised on the universal truth that "success hinges on education". But, like most maxims, it has been twisted every which way to serve several narratives. Yes, being college-educated can lead you to success. But is it the ONLY kind of education that can get you there?Delivered through the witty, educational sermons of The Pastor of the Student Loan Disaster, "College Debt or Skill Set: A Critical Choice for Success" is chock-full of practical advice that has served Charles - and many others like him - well. A former college student who experienced the challenge of paying for his college education without any external financial assistance, Charles was able to cut down his college costs by thousands of dollars, which amounted to 40% of his college expenditures. This allowed him to successfully graduate and pursue a successful career paved by his passions. And it is this exact goal that Charles wants you to achieve as well.With the Pastor's help, "College Debt or Skill Set" highlights valuable insights on how you can:Cut costs for college and limit student debt: Filled with both anecdotal and research-based insights and advice, this book helps you understand what your finances entail so you can limit your financial risks and hit the ground running right after you get your hands on your diploma.Make time to learn a trade: Having multiple ways to earn more never hurt anyone. In fact, it helps tremendously! This guide showcases the importance of having a good skill set you can leverage so you can maximize your earning capacity all while getting your degree.Explore other career avenues that don't require a university diploma: Education isn't limited to the four corners of a school classroom. In fact, the world holds many opportunities for learning that you can monetize and build a career on. In this guide, you will learn how to do just that and so much more!Just like his other bestselling books, "Chadwick's Cultivated Circumstances: Experience Is Sometimes Priceless" and "Chadwick's College Checklist: 2 Steps W/Tips On How To Cut College Costs Down", "College Debt or Skill Set" builds on practical advice on how to navigate the complex terrain of college costs and the role it plays in your future success. With the Pastor's guidance, you can learn how to overcome student loans, become more financially strong, and secure your future! There are millions of Americans who carry massive student loan debt and racking up more bills! If a student or person can transition into the trade industry they can learn a lifetime worth of earning skills! Ready to take on this challenge?For more information, please check out our other books, blogs, podcast, and reviews to help guide you. Website: www.chadwicksexperiences.com

Chadwick's Cultivated Circumstances is a small publication that carries a big punch. It explains how experience can sometimes be priceless.In the year of 2021, we lived through the pandemic from Covid-19. Did anyone wonder, how much experience was gained on an individual level and as a society? What was learned and how did people survive or surviving their created or uncreated circumstances? Did people use their own new or past experiences to get them through this interesting time period? Worldwide pandemic or not many have to work for a living.Along the way of working some people may question or examine their worth. Worth can be defined as the value equivalent to that of someone or something under consideration; the level at which someone or something deserves to be valued or rated. How did people feel being deemed as an Essential or Non-essential worker? After being classified, some people were indeed laid off and found themselves without employment.After hearing and seeing some people lose their jobs, author Charles Chadwick thought hard about his own working experiences and career pathway. As he reflected off his previous and current employment, he thought about how he has survived off his skills. With a push for minimum wage to be pushed up to $15.00 per hour, when some people are with out work is a deep question, but who has the answers? If and when it does happen who knows what the outcome could be?In the meantime, Charles wants to encourage everybody to get some type of experience instead of speculating if or when the minimum wage will ever be pushed up. There are millions of Americans who carry massive student loan debt and racking up more bills! If a student or person can transition into the trade industry they can learn a lifetime worth of earning skills! In this short book, Charles will show how anyone who has gained experience can cultivate success through their circumstances. He will explain how some of his success was found through and because of the experience he gained throughout his life. If a person has experience, they can survive and thrive even in challenging hard economic times. His methodology is clear, concise, and easy to follow. His anecdotes and words of wisdom keep readers engaged throughout the journey as he explains how the ins-and-outs of getting and obtaining experience.Chadwick's Cultivated Circumstances is a must-read guide for anyone who is looking to start a business or changing careers who needs a little motivation.About the AuthorThe Author of this book Charles A. Chadwick Jr. born and raised in Jacksonville, North Carolina. During this pandemic, he was able to be able to work due to him being deemed as an essential worker in the construction/security sector. Throughout his life construction has allowed him to have steady employment. More importantly, his optimistic attitude and willingness to learn and gain experience has assisted him well. If you are a person who had or will have to start back over during this challenging time period, this is the book that has the potential to motivate and encourage you.