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!

Charles A. Chadwick Jr.

Audiobooks