I had a wonderful discussion with Jeannie Burlowski and the different strategies that she has for people of all ages to get through college debt-free and without scholarships. (and no, none of them require you to join the military) So, whether you have a newborn child you want to start saving for now, or you don't have the ability to save right now, or if you're an adult with a career who wants to go back to school Jeannie has a strategy that will work for you.