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Welcome to Debt Destroyer®!

Learn proven strategies to get out of debt, stay out of debt, and build the foundation for a strong financial future.

Debt Destroyer workbook on desk

Welcome to The USAA Educational Foundation’s Debt Destroyer® Program! This six-step journey is designed to empower you and your family to get out – and stay out – of debt.


You will learn proven techniques to overcome high interest rate consumer debt, make the most of the money you have coming in, and get on track to a more secure financial future. As you work through this program, know that you are not alone on the journey. Others have done it and so can you.

Before you get started, you’ll need to collect some information. The worksheets contained in the printable workbook below outline everything you’ll need, but here’s a quick list:

  • List of debts and details of all creditors (include all loans, lines of credit and credit cards)
    • Balance owed
    • Due date
    • Minimum monthly payment
    • Annual percentage rate (APR)
  • Accurate details of your household income and expenses
    • Leave and Earnings Statement (LES), Payslip or paystub
    • Other sources of income
    • Mortgage or rent
    • Utilities
    • Groceries
    • Entertainment
    • Other household expenses
Couple reviewing documents

Get the Debt Destroyer® Workbook

Download this workbook and use it to complete the Debt Destroyer® program. Print it and hit it with a pencil, or dig in digitally using your favorite PDF-editing program.

Download the Workbook