He's built an organization not unlike Scientology with a religious back story. He preys on folks that are broke and deep in debt with nowhere to go. And he actually says not to pay off some of the debt. Ignore it, it will go away. A house loan is now under 3% which is basically the rate of inflation so every year of the loan is free money. Think of it as a dollar today is worth 5 dollars in thirty years. Instead of paying off a loan put the money in a Vanguard account and get +10% average.