NGPF Podcast: National Winners of NGPF's 2018 PAYBACK Challenge Essay Contest (Part 2)

Sep 27, 2019
Podcasts, Paying for College


In case you missed it, we launched the 2019 PAYBACK Challenge earlier this week with over $125,000 in scholarships available. Full details here and deadline is November 13, 2019 

To provide some inspiration for the 2019 contest, I found this unreleased podcast where you will hear from 6 of the 2018 National Winners. Just to reiterate these are last year's winners and we just opened the 2019 competition.

Each received $5,000 towards their educational expenses. Each shared what they learned from paying PAYBACK, how it has impacted their college plans. Some passionately described the importance taking a personal finance course. You will discover that this group's talents extend beyond putting pen to paper for their essays and includes strong public speaking skills too.

Here's Part 2 where you will hear from 6 of our National Winners. Enjoy!


  • 0:00~1:37 Introduction
  • 1:37~5:17 O.J., Winooski High School (Winooski, VT)
  • 5:17~6:25 Ashley Reynolds, Abilene High School (Abilene, KS)
  • 6:25~9:55 Elliot Kershaw, Wachusett Regional High School (Holden, MA)
  • 9:55~10:21 A word from NGPF
  • 10:21~15:19 Kylie Rouster, Silver Creek High School (Sellersburg, IN)
  • 15:19~17:13 Kaylynn Rawlins, Houston High School (Germantown, TN)
  • 17:13~22:20 Karessa Pitcher, Weber High School (Pleasant View, UT)
  • 22:20~23:11 Conclusion

Resources Mentioned:


Here's Part 1 where you can hear from the other National Winners. 

About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.