So, you’re thinking about getting a degree. But do you truly know what lies ahead?

Author and financial coach Charles A. Chadwick Jr. does—and he’s lived it. In College Debt or Skill Set: A Critical Choice for Success, Charles takes you behind the scenes of the college hustle, sharing how he paid for two degrees without external help and slashed his costs by 40% using one powerful strategy: a skill set.

Told through the empowering sermons of The Pastor of the Student Loan Disaster, this audiobook mixes real-life experience with actionable advice to help you make smarter choices. Whether you're a student, parent, or job seeker, this guide helps you:

✅ Cut college costs and limit student debt

🔧 Discover how learning a trade can multiply your income

🚀 Explore high-paying careers that don’t require a traditional degree

💡 Rethink what success really means in a world drowning in student loans

This audiobook is filled with the same practical wisdom that made Charles’s other books—like Chadwick’s Cultivated Circumstances , Chadwick’s College Checklist and The Student Loaners Are You a Winner or a Loser—essential reads for financially conscious students.

If you're tired of the "college equals success" myth and ready to build a future with less debt and more opportunity, let The Pastor show you the way. The decision is yours—college debt or skill set? No Need to fear the Pastor is here!