The Billion Dollar Challenge is a national initiative and FREE resource to help individuals and families to collectively pay down $1 billion in consumer debt. The Challenge is a part of the dfree® movement that teaches people how to achieve financial freedom.

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What is the Billion Dollar Challenge?

Dr. DeForest B. Soaries, Jr., challenged his congregation to pay off $1 million dollars of their personal debt. This initial challenge has now been expanded to include the entire country. The Challenge is to take control of your finances by creating debt reduction goals, forming online support groups, and most importantly – paying off your debt.


Dr. DeForest B. Soaries, Jr., founder of dfree® and author of “dfree®: Breaking Free from Financial Slavery”


Create your debt-pay down goal!

Why Should I Join?

By joining the Billion Dollar Challenge, you are part of a community that is saying yes to no debt. When you pay off your debt, you improve your credit worthiness, reduce stress and create additional income for savings and investments. Take that first step toward a debt-free lifestyle, and join the Challenge today!

How Does it Work?

It's simple.

  1. Create a confidential, password protected Billion Dollar Challenge account using your email address.
  2. Set your debt pay-down goals and payment dates.
  3. Track your progress by updating your account as you make your payments.

You can also form a group of friends, family, or co-workers, set a group debt pay-down goal and track your progress together. There are no fees or costs at all!
*We do not ask for any account information, and payments cannot be made from this site
There are no fees or costs at all!

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Watch a video demonstration of how the site works!
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About Dr. Soaries and dfree®

In 2005, Dr. Soaries began a program called dfree® at the First Baptist Church of Lincoln Gardens in Somerset, NJ designed to help church members eliminate their debt, pay their bills on time and live within their means.

In 2010, the dfree® strategy was featured on a two hour CNN documentary “Almighty Debt”, and in 2011,dfree® was described in the book “dfree®: Breaking Free from Financial Slavery.” In 2012, Dr. Soaries announced the expansion of dfree® with the Billion Dollar Challenge - a national campaign for financial freedom.

Visit dfree® | Buy the Book

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Urban Ministries, Inc.
www.homefreeusa.org