DANVILLE — Eighty-percent of Americans are in debt.

Ken McCray, of Danville, is bringing a class to the Danville Public Library with the hope of decreasing those numbers.

"As many people know, the debt issue is large," McCray, director of the Life Building Institute of Success, a 501c3, said. "It's a real community and society issue."

The classes, set to begin at 6:30 p.m. Thursday, Jan. 23, will be open to the public and at no cost. However, a book and workbook will need to be purchased.

McCray estimated there were around 30 seats available, and will be first-come, first-served, but once a student’s name is on the list, hid or her spot is held for the duration of the eight sessions.

Each class, he said, would be about an hour and 15 minutes.

The meetings will focus on the four "Ds" — debt, delinquency, deficiency and dividends.

"Dfree helps develop incite concerning the principles of getting out of debt, fixing the issues that bring debt on and perpetuate it, and then establishes a financial foundation for financial increase and financial freedom."

McCray said he knows not everyone is in debt because of bad habits. Often it's because life happened — a doctor bill or job loss set them back.

The principles taught in dfree "helps move a person from where they are to where they want to be, and it provides tools, provides principles for aiding and assisting a person to get to a place of financial freedom, and be able to extend that to their families."

The internationally-known program — found at www.mydfree.org — has a "billion-dollar challenge," where it looks to retire that much debt. The classes help the students participate in that goal.

The lessons are for "anyone who says, 'I don't want to be buried under this debt forever; I want to come out of it,'" McCray said.

Even after the classes end, McCray said he'll keep in contact with the participants in order to help them stay on track.

For more information, visit the website, or call McCray at (217) 274-8471.

"I'm excited about it," McCray said. "I'm using it myself. I'm seeing tremendous results. There's something about having your financial independence that is so empowering. It changes the whole dynamics of a person's life.

"It's just a tremendously helpful program."

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