Neil McCoy-Ward presents the Debt & Credit Foundation Bundle

Destroy your debt. Build excellent credit. Take back control.

Debt Annihilation course by Neil McCoy-Ward Credit Hacks course by Neil McCoy-Ward

Two complete programs in one bundle. The first gives you the exact strategy to annihilate every debt you have. The second teaches you how to build a credit score lenders trust - so you stop paying for the rest of your life.

See what's inside ↓
Lifetime access 30 day guarantee 16+ chapters, 2 full courses
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Following
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The two skills no school taught you and the system fines you for not knowing.

Most people lose tens of thousands of pounds over their lifetime to bad debt and a poor credit score - not because they're irresponsible, but because nobody ever sat them down and explained how it actually works. This bundle does that, in two complete courses, taught by Neil personally.

★ Built On A Decade Of Personal Experience

Taught By Someone Who Lived It First.

Not theory. Not commentary. Neil built his way out of personal debt, then out of the working class entirely, using the exact frameworks taught in this bundle.

"I had a negative net worth when I first did the exercises in this program. I rebuilt from there using the exact methods I now teach. This bundle is the foundation level of my entire academy - the work that has to happen before mindset, cashflow or investing can do anything for you."

My frameworks are now used by 17,000+ students across 50+ countries.

Neil McCoy-Ward, finance educator

If you're carrying debt, or your credit score is costing you, read this carefully.

Most people don't realise that debt and credit are two sides of the same coin. The same system that fines you for one rewards you for the other. And almost nobody is ever taught the rules.

So they spend decades on the wrong side of it. Paying 22% interest on a credit card. Getting denied for the mortgage they should qualify for. Paying $40,000 extra on a car loan because their score was 80 points lower than it needed to be. Watching every promotion get eaten by minimum payments.

This bundle is different. It's two complete programs - the foundation level of Neil's entire academy - built around the actual mechanics of how debt and credit work, and how to use them to your benefit instead of theirs.

You'll learn how to honestly assess where you stand financially. The two repayment methods Neil uses with students - Snowball and Avalanche - and how to choose between them based on your situation. The psychology that keeps most people stuck in debt cycles. How credit scoring actually works across the US, UK, EU, Canada and Australia. The one GOLDEN rule that, applied consistently, eliminates almost all credit-related financial damage. And what a strong score actually unlocks.

Debt is the chain that keeps most people working a job they don't love. Once you understand the rules, you stop being a customer of the system and start being a beneficiary of it.

Here's something most people still don't understand.

The financial industry doesn't make its money from rich people. It makes its money from ordinary people who carry credit card balances, pay minimum payments, and have credit scores 60-100 points lower than they could be. If you're not the one paying attention, then you are the fee.

This bundle exists to flip that. The same way it has for thousands of Neil's students across 50+ countries.

Is this right for you?

This bundle is for you if...

→ You're carrying debt - credit cards, personal loans, car finance, store cards, overdraft - and you want a structured plan to clear it
→ Your credit score is hurting your options - higher rates, declined applications, limited borrowing
→ You want to actually understand how credit works in your country, not just guess at it
→ You're starting Neil's academy and want the foundation - the work that has to happen before mindset, cashflow or investing
→ You appreciate clear, direct teaching built on real lived experience, not theory

✗  This bundle is not for you if...
✗You're already debt-free with an excellent credit score. This is the foundation course - if you've got that base solid, look at Neil's Cashflow, Stock Market or Gold & Silver programs instead.
✗You want to learn how to abuse credit for free perks and travel hacks. This is the opposite - credit as a wealth tool, not a points game.
✗You expect to clear six figures of debt without changing any habits. The methods work. They still require you to do the work.
✗You're looking for vague motivational content. This is operational - real exercises, real spreadsheets, real numbers.
What's Inside The Bundle

Two full courses. Sixteen-plus chapters.

Two complete standalone programs. Bought separately they would cost $1,150. Bundled, the price is intentional - this is the entry point into Neil's academy. Prefer just one? Each course can be bought on its own too.

2
Complete
Courses
16+
Total
Chapters
7+
Workbook
Exercises
∞
Lifetime
Access
Course 1 of 2
Debt Annihilation - Break The Chains & Start Living
A fast-acting, deep-dive system to destroy every debt you carry, in the shortest time possible
The complete Neil McCoy-Ward debt destruction system. Assessment, psychology, action strategy, planning. Built around real workbook exercises, the downloadable spreadsheets, and the two proven repayment methods - Snowball and Avalanche.
  • Chapter 1 - Introduction and program walkthrough
  • Chapter 2 - Assessment: Income vs Expenses, DTI, spending breakdown
  • Chapter 3 - Vision: net worth, emotional spending, blind spots
  • Chapter 4 - Psychology: the unconscious money beliefs keeping you stuck
  • Chapter 5 - Mindset: the shift from survival to builder
  • Chapter 6 - Action: Snowball & Avalanche methods applied
  • Chapter 7 - Understanding debt: good vs bad, interest mechanics
  • Chapter 8 - Building a debt-free future you don't fall back into
  • Chapter 9 - Conclusion and next steps
  • Includes: Income vs Expenses, DTI & Net Worth spreadsheets
By the end of this courseYou'll have a precise picture of your finances, your specific repayment plan in writing, the psychology to actually stick with it, and a structural framework so you don't fall back into debt three years from now.
Buy Debt Annihilation Only →
Course 2 of 2
Credit Hacks - Build An Excellent Score, Save Thousands
How to build a credit score lenders trust - and stop paying for the rest of your life
A complete operating manual for credit. How it works, how scoring is calculated across the US, UK, EU, Canada and Australia, the strategic moves that genuinely shift the number, and how a strong score unlocks lower interest rates, better mortgages, business financing and serious long-term savings.
  • Chapter 1 - Why this isn't another points-and-miles course
  • Chapter 2 - Basics Part 1: how credit really works, country by country
  • Chapter 3 - Basics Part 2: credit cards and the GOLDEN rule
  • Chapter 4 - Supercharge: rewards, sign-ups, travel hacking the right way
  • Chapter 5 - Score Mastery: building, raising and protecting your score
  • Chapter 6 - What's possible: mortgages, business, employment, insurance
  • Chapter 7 - Conclusion and where this leads next
  • ★ Bonus: Advanced Credit Hacks - Neil's personal strategies
By the end of this courseYou'll understand how credit really works in your country, the moves that genuinely shift your score, the one rule that eliminates almost all credit damage, and how to use a strong profile as an active wealth tool for the rest of your life.
Buy Credit Hacks Only →

Seen enough? Get instant access.

Both complete courses. 16+ chapters. Workbook exercises and spreadsheets. Lifetime access. 30 day guarantee.

Get The Bundle
Or buy the courses separately
Buy Debt Annihilation Only → Buy Credit Hacks Only →
Real Outcomes For Real Students

More than just cleared debt.

Students from this bundle frequently report outcomes that go well beyond their balance sheet. These are the unexpected benefits of really understanding how the system works at the foundation level.

✓
Real clarity on what you actually owe and where it goes
✓
A written repayment plan with an actual end date
✓
Better sleep knowing you finally have a system
✓
Lower interest rates on every future borrowing
✓
Mortgage applications that go through cleanly
✓
The end of emotional spending you can't explain
✓
Real confidence in financial conversations
✓
Compound interest finally working for you, not against
✓
The foundation to actually start building wealth
Real Student Results

In their own words

Real screenshots from real students. A small selection of more than 100 written and video testimonials on file.

★★★★★
Average student rating
17,000+ students
across 50+ countries
100+
written & video testimonials on file
Real student testimonial screenshot
Real student testimonial screenshot
Real student testimonial screenshot
Real student testimonial screenshot
Real student testimonial screenshot
Real student testimonial screenshot

More than 100 written and video testimonials on file. The above is a small selection.

Who's Teaching You

From a run down flat to buying a castle on the Isle of Man...

Neil McCoy-Ward Neil McCoy-Ward

Most people assume Neil grew up wealthy. The truth is the opposite. He grew up working class, with no money, no contacts and no advantage - and like most people, he had credit card balances and a negative net worth.

So he set about figuring out how debt and credit actually work. Not how the textbooks describe them. How they really work, behind the scenes, in the favour of the lender. Once he had that, he cleared his debt methodically and built a credit profile that has unlocked everything since.

Today Neil has built more than 40 income streams. His YouTube channel has grown to over 555,000+ subscribers, with 700,000+ followings worldwide across all platforms and over half a billion video views. Over 17,000 students across 50+ countries have taken his courses. He has personally mentored more than 60 celebrities, hundreds of CEOs and multi-millionaires, and advised two hedge fund managers on the future of finance.

The castle in the photos is his actual home, on the Isle of Man. Bought using the exact principles taught across his programs - starting with the foundation work in this bundle.

700k+ Following Worldwide
17,000+ Course Students
Trusted By GS & JPM Analysts
50+ Countries Reached
60+ Celebrity Mentees
2 Hedge Fund Managers Advised
Get Started

Two courses. One payment. Yours for life.

Debt & Credit Foundation Bundle
Both Complete Courses
Debt Annihilation (9 chapters) + Credit Hacks (7 chapters + bonus). Workbook exercises and spreadsheets included. Lifetime access. 30 day guarantee.
Was $1,150 → Now $97
Get The Bundle

One-time payment of $97  ·  No subscription, no renewal

Or buy the courses separately
Buy Debt Annihilation Only → Buy Credit Hacks Only →

Secure checkout via Teachable  ·  Instant access  ·  All major cards  ·  Worldwide

🛡

Go through both courses risk free for 30 days.

Take 30 days to go through both programs. If you're not completely satisfied with what you've learned, just send Neil's team a quick one-line email within those 30 days and you'll receive a full refund. No, you don't need to answer any questions.

Why offer a guarantee this strong? Because Neil knows the work in this bundle will change how you think about debt and credit. It transformed his approach. And if you just take action, it can transform yours too.

  • ✓Full refund within 30 days. No questions asked.
  • ✓One short email to enquiries@neilmccoyward.com. Refunds processed within 5 to 7 business days.
  • ✓Or swap courses instead. Prefer a different program? The team will switch you over.
  • ✓All payments processed securely through Teachable.
  • ✓Your information is never shared with a third party.
⚠ Fair use clause: you may watch up to 50% of either course before requesting a refund. If you watch more than 50%, no refund will be given.
Need help purchasing?

Trouble at checkout?

If you see an error message at checkout, the team is here to help. Email enquiries@neilmccoyward.com any time and they'll get back to you quickly.

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Still stuck? Email enquiries@neilmccoyward.com with a screenshot of the error and the team will sort it out.

Stop paying for the rest of your life.
Start with the foundation.

Two complete courses. Sixteen-plus chapters. Every workbook and spreadsheet included. Lifetime access. A 30-day guarantee. The foundation level of Neil's entire academy - and the work that has to happen before any of it can do anything for you.

TIME LEFT UNTIL PROMO ENDS
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Get The Bundle
Or buy the courses separately
Buy Debt Annihilation Only → Buy Credit Hacks Only →
Not sure yet? Book a free call
30 day money back guarantee Lifetime access 2 complete courses, 16+ chapters 17,000+ students worldwide
Common Questions

Before you enrol

Yes. Each course is available as a standalone purchase using the "Buy Debt Annihilation Only" or "Buy Credit Hacks Only" buttons throughout the page. The bundle is the best value if you want both, but you're not required to take them together.
Both are full standalone programs. Debt Annihilation has 9 chapters covering the complete debt destruction system - assessment, psychology, action strategy and planning. Credit Hacks has 7 chapters plus a bonus advanced section covering credit fundamentals, score mastery, strategic use and advanced hacks. Each could be sold as its own program. The bundle simply gives you both at a single price.
Most students start with Debt Annihilation. Clearing existing debt frees up the cashflow that the Credit Hacks course then teaches you how to use strategically. That said, the two complement each other and you can take them in either order depending on your situation. If you're already debt-free and want to optimise credit, you can go straight to Credit Hacks.
Yes. The debt destruction principles apply universally. The Credit Hacks course explicitly covers credit scoring systems in the US, UK, Canada, EU, Australia and New Zealand - including the differences in score ranges, credit bureaux and lending norms across each region. Students are based all over the world.
Yes. Debt Annihilation specifically addresses high-debt situations - including DTI ratios over 100%. Credit Hacks includes building credit from scratch, repairing damaged scores and the strategic moves that work even from a low starting point. Neil designed the bundle around real situations, not just clean ones.
This bundle is the foundation level of Neil's academy. He has priced it deliberately low to make the entry point accessible - because students who clear their debt and build their credit get more value from every other course in the catalogue. The content is the full original program, unchanged. The pricing is a deliberate strategic decision.
The Debt Annihilation course includes downloadable spreadsheets for Income vs Expenses, DTI ratio calculation, monthly spending breakdown, net worth calculation and the emotional spending exercise. The Credit Hacks course includes its workbook material and Neil's score-management framework. All are designed to be used alongside the videos.
A 30-day money-back guarantee. If you're not satisfied for any reason within 30 days of purchase, email the team and you'll receive a full refund. The guarantee applies if less than 50% of either course has been watched - a fair-use policy to prevent the material being consumed in full before a refund request. Refunds are processed within 5 to 7 business days.
Both courses are hosted on Teachable. After completing your purchase, you'll receive an email with login details and immediate access to all chapters and downloadable workbooks. You can watch on desktop, tablet or mobile at your own pace. There's no expiry date - you keep access permanently, including all future updates.
Yes. You can purchase the bundle as a gift during checkout by entering the recipient's name and email address instead of yours. They can update their personal details to their own within the settings panel after logging in. If you need help, email enquiries@neilmccoyward.com.
Yes. Neil takes questions through his private community on Patreon, where course students can ask him directly and see the answers he's given to similar questions from other students.
Email enquiries@neilmccoyward.com. You can also book a free 20 minute call with Amy, Neil's senior course ambassador. Purely to help you figure out if this is right for you. No sales pitch. Book at neilmccoyward.com/book-a-call.
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By accessing this page or any content associated with Neil McCoy-Ward, you agree to the following disclaimer. Neil and the team do not guarantee or promise any specific financial results or earnings. None of the content constitutes a promise or guarantee of financial success, investment returns, or future earnings. Neil does not provide legal, tax, medical, or other professional advice. Any financial figures mentioned are for illustrative purposes only. Always consult a licensed financial advisor, accountant or licensed credit counsellor before making any major financial decision. Not affiliated with Facebook, YouTube, or any social media platform.

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