"An education equips a mind. A degree demonstrates its potential."



"Become Debt Free presented me with all of the opportunities I needed to succeed."



"The sense of accomplishment I felt after completing my Debt Reduction Credit Repair courses was great!"


Become Debt Free


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    At Become Debt Free Service, we're harnessing the power of online education in new, innovative ways. Combining the newest research with proven teaching mfethodology, we're inspiring students to take control of their financial future. Become Debt Free Service provides a stepping stone for our students to reach the future they envision, NO MORE DEBT!!!

Every journey begins with a step. Now, you can take that step whenever you're ready with our new "Rolling Semester" program. Don't let calendars get in the way of your educational journey.​

IAM Bill Payne

Bill Payne is a Representative of (ICR) I Can Retire  Services based in  California.  He’s a father,grandfather, speaker, entrepreneur and student.
He’s certified as an instructor by Central Michigan University and ICR Career Institute to teach Personal Finance I: Credit Repair and Personal Finance II: Debt Elimination  This course help students to acquire the economic knowledge, skills, and resources to substantially improve their financial status.
Bill has experienced personal and professional success, but he’s also suffered bitter defeat.  Although certainly preferring the former. He feels that he’s learned the most from his struggles and disappointments.  He feels that overcoming the obstacles in the path of a challenging and worthwhile objective learns life’s greatest lessons.
Bill’s passion is human potential.  He believes fervently in the indomitable Holy Spirit and revels in helping people succeed in all aspects of their lives.
As a child, he started reading biographies of famous people and was fascinated by their lives and their contributions to the world.  Over the pass 30 years, Billy has devoted himself to the science of individual achievement and has been an ardent student of the principles of success.  He’s taught seminars and conducted workshops on financial control, credit restoration, debt elimantion and asset accumlation.
His vision is a worldwide association of success-minded, high-integrity people who want not only their own success, but want to help others to achieve their potential as well.  He believes, “We teach best what we need to learn,” and by promoting and teaching success financial principles we will affect a great success and a better future for our families and ourselves.

Bill is a positive and optimistic man.  He views the next few decades as a time of unparallel change and incredible opportunity, He sees “high-tech merging with “high-touch” in a way that could allow for personal and spiritual transformation to seem almost magical.  He sees science and spirituality as complementary.
Bill has a deep faith and belief in a Higher Power and Presence, Which he chooses to call God.  He feels that there are three things essential to living a fulfilling and successful life: a purpose to live for, a self to live with and a faith to live by.
Billy is married to Gayle — his Angel, Partner, Best Friend, Mentor, Teacher, and Confidante.   He enjoys reading and helping people realize their dreams through his Savior, Jesus Christ.