Creating an Education Fund Without College Loan Debt

College loan debt is one of the heaviest anchors dragging down today’s families. Strangely enough, it is the biggest financial asset of the US Government. Can that be a coincidence? 

Young adults are stepping into life with $30,000, $60,000, even $100,000 in debt before they’ve earned their first real paycheck. Parents are often caught in the middle—wanting to give their children the best start in life but not wanting to mortgage their own future to do it. 

What if there was a different way? A way to create an education fund that grows safely, keeps money in your control, and allows your children to step into their future without the burden of debt? And if you need a bonus, it also protects the family and guarantees your family’s needs are covered in the event you graduate early. That’s exactly what the Infinite Banking Concept (IBC) offers. 

Starting Early Changes Everything 

The key is starting early. Imagine opening a properly designed whole life insurance policy on your child the year they’re born. From day one, you begin making premium deposits into a policy that grows guaranteed cash value. 

By the time your child is 17 or 18, you’re not staring down the barrel of high-interest student loans. Instead, you have a pool of capital that’s been compounding for nearly two decades. You’ve been in control of it the entire time—not Wall Street, not the government, not a bank. 

And here’s the best part: when it’s time to pay for college, you don’t have to withdraw from the policy and drain the account like you would with a 529 plan. You can borrow against it. That means your money keeps growing while you access it. 

How This Looks in Real Life 

Let’s make it simple. 

Suppose you start a $5,000 annual premium policy for your child when they are born. By age 18, the policy will have $98,961 tax free dollars accessible—enough to help with tuition, housing, or even a business start-up if your child chooses an entrepreneurial path instead of college. 

The beauty here is flexibility. Unlike a 529 plan, which locks the money into “qualified education expenses,” your Infinite Banking policy can fund anything. College. Trade school. A first home. Starting a business. Even an investment opportunity. 

Your child’s dreams aren’t limited to what a government rulebook allows. 

Breaking Free from the Student Loan Trap 

Think about the traditional model: 

1. Parents save in a 529 plan.

2. The market goes up and down, and when it’s time for college, the balance might be less than hoped. 

3. If the child doesn’t go to college, penalties and taxes hit. 

4. Any shortfall is covered by—yep—student loans. 

Now compare that to Infinite Banking: 

1. Parents fund a dividend-paying whole life policy. 

2. The cash value grows predictably and tax-advantaged. 

3. When college arrives, loans are taken from the policy—not from Sallie Mae.

4. The child graduates without debt, and the policy continues to grow for life. 

***Optimally the child is paying back their student loan to your specially engineered Family Banking system so they can reuse the money for the next opportunity. 

It’s not just about avoiding debt—it’s about setting your kids up with an asset they can keep forever. Life is unpredictable. We want the best for our kids, but we also don’t want to force our dreams on them. The key is control and flexibility. Here’s a real-life example. My son Zach couldn’t use the 529 money his grandfather set up for him to become a private pilot. He couldn’t use the 529 to pay a flight instructor so we had to cash out the 529, pay the taxes and use what was left so Zach could pursue his dreams. Same thing with our daughter Hannah, when she decided to follow in my footsteps, we had to cash out her 529 because we were limited on what we could do with the money. In both cases we lost money and were limited on how we could support our kid’s dreams. Fast forward to today, they are both thriving, happy and successful pursuing their passions. Imagine if we used a “specially engineered whole life policy” instead of the 529, the policy would have kept growing with their passion AND kept all the money in the Kesler family.

Creating a Legacy Beyond College 

This strategy doesn’t just solve the education problem. It teaches your children about money from a young age. They learn the power of capital, the value of discipline, and the freedom that comes from controlling your own banking system. 

I often remind families: we’re not just buying life insurance. We’re building a financial foundation that can be passed on for generations. A whole life policy designed for Infinite Banking is one of the few tools that can educate, empower, and enrich your children all at once. 

The Bottom Line 

College doesn’t have to mean crushing debt. You can prepare today for tomorrow’s expenses with a system that puts you in control. 

Start early, fund consistently, and use Infinite Banking to build an education fund that works whether your child chooses college, trade school, or another path altogether. 

Instead of sending your kids into adulthood with a ball and chain of debt owing their good Uncle Sam for decades, imagine sending them forward with confidence, opportunity, and financial security. 

That’s the power of creating an education fund without college loan debt. Click here to get started.