The current approach to finding scholarships to reduce college costs is not giving families the results they need. College costs continue to rise and so does student loan debt. As a recipient of an academic college scholarship as well as several outside scholarships, Jean O’Toole was able to attend Wagner College, but she and her family still had to pay for the remainder of her education with student loans. A different approach is needed to provide families with different results. In , Jean simplifies the scholarship application process in easy-to-follow steps which any student can incorporate into their already busy schedules. She provides students and parents with a clear plan to decipher which scholarships have the best chances of winning and should be applied to. This easy-to-follow, out-of-the-box approach was developed over a decade of working with thousands of students, giving students and families ownership of the scholarship search process to build on the efforts that their school counselors are already providing. A future can be designed without college debt, and with its 25 clear strategies, along with 15 additional ways to reduce college costs, helps students live that future.