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Undebt.it Review: A Free Tool to Help You Get out of Debt

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undebtit review

I don’t like admitting it – I sometimes have a problem tracking my own debt. Ultimately, people like you and me do our best to handle our debt obligations. However, sometimes, it can just be too much. So, I began looking into various debt management apps. One app that I learned about, Undebt.It, really stood out to me. It’s a free debt management app that helps you to inescapably and efficiently track all of your debt.

Undebt.It Review: How It Works

Undebt.It is a debt calculation, tracking and payment planning app system. It allows you to efficiently input every debt payment obligation that you have in your life. Undebt.It is a powerful debt payment reminder service that stresses the need to pay off all debt. It’s essentially a de facto debt payment manager.

All you have to do is register on the site and input your basic information, like your income, budget, and debt information. The app helps you calculate how much you can realistically pay each month based on your income. You can create a personalized spreadsheet where your balances, minimum payments, and interest payments are calculated.

The app sets a reminder to pay bills based on your preferences. What impresses me about Undebt.It is that your sensitive financial information is secure because you don’t need to provide it. Yes, you must input debt repayment figures to create a chart. But, you don’t have to enter your bank account, credit card, or affiliated password information ever.

The Good

It’s free. The app creates debt reminder and tracking tables that help you visualize your upcoming payments. You can create debt repayment reminders based on customizable tier systems. The Debt Snowball system lets you pay off debts with the lowest balances as a priority. The Debt Avalanche method tackles debt with the highest interest. Or, you can focus on debts based on monthly payments or your debt-to-interest ratio.

Undebt.It lets you design your debt reminder system on your terms. The app allows you to track your spending and purchasing habits. You can study your spending habits to curtail new debt accumulation. Or you can check your credit utilization details. Undebt.It has many debt tracking features that help you pay off debt and better understand how you accumulate it.

The Could-Be-Better

Once you register and access your personal dashboard, the experience can be overwhelming. There are a lot of options, features and charts for you to peruse. You definitely must be committed to learning about the app. Not impossible, but a lot to absorb. Then again, have you ever put all of your bills together to understand them? Undebt.It’s layout may be confusing at first, but it is worth mastering so you can develop a system to help you reduce your debt.

My Verdict

I highly recommend it. It’s free, full of informative options, and is customizable to your debt reminder needs. You don’t have to input your sensitive financial information, just your debt amounts. Also, you can even upgrade to an app with extra features for a dollar a month. Undebt.It makes your debt reminders inescapable and efficient. Get it today. If you don’t manage your debt, it ends up managing you.

Interested in an easy and free way to get your debt under control? Try out Undebt.It here.

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This Man Escaped His Student Loan Debt By Moving to the Jungle

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Student loan debt

Just months ago student loan debt reached a high, ugly milestone of $1.52 trillion. Unsurprisingly, many people find their student debt to be overwhelming, leading to depression and suicidal thoughts in some individuals. In fact, people who are undergoing serious financial stress are eight times more likely to have suicidal thoughts – and some engage in extreme behavior to avoid paying.

Growing Student Loan Debt

Student loan debt has seen a 145% increase in the past decade with no signs of slowing down any time soon. In many cases, individuals carry more student debt than they do in auto loans or credit card debt.  For some individuals, the weight of their personal student debt is too heavy for them to carry. Chad Haag was one of those people.

Chad Haag Delt With His Debt by Fleeing the Country.

Haag considered living in a cave in the United States to escape his student debt. According to Yahoo Finance, he already knew a friend doing it. However, for Haag, this wasn’t leaving his problems far enough behind. He wanted to get as far away from his debt as possible.

After majoring in philosophy in college, he held a student loan balance of about $20,000. While that is pennies compared to many other borrowers in the U.S., Haag pointed out that not being able to a land a college-level job made his $300 monthly loan payment devastating to his finances. He was only making $1,700 per month, living with his mother, and rarely going out with friends. “I couldn’t make the math work in America,” Haag said.

Running to the Jungle to Get Away From Debt


He relocated to a jungle in India to escape his student loan debt. In an interview, he said, “I’ve put America behind me.” Now, thousands of miles away from where he once lived in constant anxiety from his debt, Haag says his loans don’t even feel real to him anymore.

His student loans are on their way to being in default and they only thing Haag has to say is, “It’s kind of like, if a tree falls in the woods and no one hears it, does it really exist?” Of course, this kind of care-free attitude has not come without its trade-offs.

Where Haag is living is far from his Colorado home. He is living in a concrete house in a village in India. The house only costs about $50 per month and Haag says he sees elephants outside his home regularly. Haag also referenced the poor living conditions in some areas of India, stating, “Some toilets here are holes in the ground you squat over.”

Food quality can be a problem as well. He recently ate spoiled goat meat that landed him in the emergency room. However, dreams that would have escaped him in the U.S. because of his debt are now becoming realities for him in the jungle of India.

He has gotten married and he and his wife have plans to own a home soon. Currently, he has a five-year spousal visa and has plans to renew it when it comes time. Haag has absolutely no plans to return to the U.S. or repay his student loan debt.

student loan debt

Is This Responsible?

There is no doubt that many Americans find this type of behavior abhorrent. Student loan debt is only expected to continue to rise in the years to come with estimates projecting students will owe $2 trillion by 2022.

Half of the student loan borrowers haven’t paid a single dollar towards what they owe five years into repayment. Another 40% of those loans are expected in be in default by 2023.

However, moving away from the problem doesn’t make it go away. If anyone is moving away, like Haag, to escape their debt, they’ll find that if they ever return to the U.S. their debts will not be gone.  Given the structure of many loans, debts are in fact more likely to grow than be excused. Compound interest, late fees, and collection charges are all typically added to your balance if payment is not made.  In addition, late payments will impact your creditworthyness.

Not only will it not go away, but running away will make it worse. The best thing you can do is work out a debt repayment plan that works for you.

How to Keep Your Student Debt Manageable

Many people look at student loan debt as “healthy debt.” And while it is much “healthier” than, say, credit card debt, or even an auto loan sitting on your credit report, it still is a huge responsibility. If you or someone in your household is getting ready to head off to college or go back to school, consider thes money-saving tips.

  1. Go to school in-state. It has been common knowledge for years that going to school closer to home costs less money. If you aren’t getting a full-ride out of state, keep your eye on public schools closer to you. A private university’s tuition sits around $34,740 per year on average. An out-of-state public university isn’t much cheaper at $25,620. However, community colleges and in-state public universities are priced at $3,570 and $9,970, respectively. That’s much less in tuition.
  2. Stay at home to avoid room and board fees. Another great thing about going to school closer to home is that you can stay at home. This will save you thousands of dollars on room and board every year.
  3. Oh – and bring your lunches. It can also save you a ton of money on food. Instead of throwing money at a meal plan or eating on campus every day, you can bring your own lunch and save hundreds of dollars per month.
  4. Take a fast-track in your program. Depending on what your career goals are, you may consider asking someone at the university about a fast-track course for your degree. This will shorten the amount of time you’re in college, making tuition much cheaper.
  5. Avoid private loans. If you can help it, don’t take out any private loans. These are typically higher interested and begin to accrue interest while you’re still in school, unlike loans available through the U.S. government.
  6. Consider taking on work-study or paying your tuition in cash while you’re in school. It’s also possible to work while you’re in school to pay off the remaining tuition you owe. Many schools will work with you on monthly payments to remain in class and will apply funds made through work-study programs to these payments. You can also hold a job off-campus to raise additional funds. This way, you can leave school without owing any money on student loans.

Student Loan Debt Repayment

Remember, if you are feeling overwhelmed by your student debt you have options. Before taking off to India or another remote jungle, consider the options below.

  1. Get more time. Although it is not optimal, may be able to extend the repayment period on your loan to give you more time. Periods for repayment start at 10 years and go up to 30 years, depending on the amount and your ability to pay.
  2. Take a couple months off. You can get a couple months off from paying your student loan if you need it.  If you or your partner lose a job and you need a couple months to get back on your feet, you can ask for a couple of months off (most of the time) it is granted. Keep in mind, your loan will still be accruing interest during this time.
  3. Income-based payments. Talk to someone at the bank or company you received the loan through about income-based payments. If you believe your payment could (and should) be lower, talk to someone about adjusting it based on your income. They’ll do what they can to help you.
  4. Financial crisis assistance. If you or your family have faced a serious financial crisis, you can also ask for some time off. This is a bit longer of a period of time than the “couple months off” listed above and, similarly, your loans will still be accruing interest. However, it will keep your loans from going into default.
  5. Keep communication open. If you keep communication open between you and your loan officer, you will be able to work on repaying your student loans. In many cases, these individuals are understanding and will work with you based on your individual circumstances.

All in all, student loan debt is just another type of debt that can help or hurt your creditworthyness. However, it is nothing you should feel like you should run away from. Tackling it head-on and paying it down is the only thing that will truly make your debt nightmare go away.

Readers, what do you think about this man running away from his student loan debt? 

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Rent-a-Center Alternatives: Don’t Make This Mistake!

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Rent-a-Center alternatives

We just made our final Rent-a-Center payment a week ago – and we will never buy anything from them again. Not only does the company essentially have you pay 3x the retail amount of whatever you’re buying, but it also doesn’t help your credit and it is just a bad investment all around. Here’s why you should never buy anything from Rent-a-Center – plus, a few Rent-a-Center alternatives to consider.

Why You Should Never Buy From Rent-a-Center

Don’t just take my word for it. There are plenty of reasons you shouldn’t buy anything from Rent-a-Center.

  1. It winds up being way more expensive. The retail price for a 65″ LED TV sits right around $600. Buying one through Rent-a-Center can cost you up to $3,500.
  2. Rent-a-Center doesn’t report your payments. Unless you stop paying them, Rent-a-Center doesn’t report a single payment you make. The only time you’ll see them on your credit report is if you default on your account and it ends up in collections.
  3. The payments are a burden. Rent-a-Center makes their payments seem extremely affordable. After all, it’s “only $45 per week.” While that seems like very little, after a year and a half of payments, it will become a burden to pay them.
  4. They will come to take your items. Even if you’ve technically paid the retail value of the television, sofa, or appliance, Rent-a-Center will come to take your items if you miss payments. What’s worse is they’ll send someone directly to your door at dinner time to do it.
  5. Rent-a-Center has been proven to overcharge. In late 2017, there were a number of articles released uncovering Rent-a-Center for its overcharging of its customers. They make it seem reasonable by showing you (the consumer) the weekly price of, say, $10. However, you still wind up being grossly overcharged.

That doesn’t necessarily mean all rent-to-own opportunities suck. However, if you need to buy something on credit you don’t have, consider the following alternatives.

Rent-a-Center Alternatives

When it comes to finding an alternative for Rent-a-Center, there are five options you should consider before opting for rent-to-own.

  1. Save the money. Delayed gratification doesn’t get enough love. If you just save the money for a couple months, you can have the cash you need for the new TV, sofa, or appliance. No interest, no strings attached, and the item is yours.
  2. Wait for a sale. Next, instead of paying the full retail price for whatever item you are in search of, consider waiting for a sale. Many people wait until around the holidays or the new year to purchase bigger ticket items. This gives you more time to save as well.
  3. Buy a refurbished item. You don’t necessarily need something brand new to get the job done. If you need a new computer NOW but don’t have new computer money, consider hitting up the refurbished electronics shop.
  4. Check out secondhand stores. You can find a large selection of furniture items, appliances, and clothing at reasonable prices at secondhand stores. For instance, if you’re in need of a new coffee table, you may be able to find a decent one you can refinish for about $40 at a Habitat for Humanity or another similar secondhand store.
  5. Work on your credit score and revisit. If you must purchase something in a rent-to-own fashion, consider working on your credit and revisiting your options in a few months. There are other rent-to-own opportunities through financing at furniture companies that will still charge interest but won’t nail you like Rent-a-Center does. They simply require higher credit scores.

Even if you haven’t had a terrible experience with rent-to-own as I have, it is safe to say these companies are usually bad for your finances. Consider these Rent-a-Center alternatives before making a huge commitment.

Readers, have you had an experience with rent-to-own you’d like to share? We’d love to hear from you!

Photo: Mike Mozart

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Don’t Cash That Check – Sneaky Predatory Lending

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Unsolicited checks to borrowers

Often, when you think of predatory lending, you might think of things like payday loans because of the ridiculous interest rates and quick repayment. But now, there’s a new technique that’s catching consumers off guard: unsolicited checks to borrowers that show up in their mailboxes.

How These Predatory Lending Schemes Work

Getting a loan typically requires paperwork. Often, potential borrowers have to bring in information about their income at a minimum, allowing the lender to confirm they have the ability to repay the loan.

Plus, when a person takes out a loan, they have to complete a lending agreement. Usually, this is a set of forms that the borrower signs, showing they agree to various terms, like the repayment schedule, interest rate, and loan amount.

Once a lending agreement is complete, the lender sends the borrower the funds. Then, the person enters the repayment period, working to pay off the debt on time.

With the unsolicited checks to borrowers scheme, the process is a bit different. You don’t have to provide documentation regarding your income, for example, as the company acquires this data elsewhere. At times, they may not care about income data at all, taking on the risk of lending to anyone who may cash the check.

Instead of signing a lending agreement, signing the check and depositing or cashing it accomplishes the same task. The details in a lending agreement are sent with the check, and sometimes, may even be printed on the check itself. However, if you don’t review the fine print, you might not fully understand the implications of depositing the check.

Once a bank processes the check, the person officially becomes a borrower. All of the obligations that come with a loan are now on their shoulders, even if they didn’t realize what they were getting into at the beginning.

Why Unsolicited Checks to Borrowers Hit Mailboxes

In many cases, the institutions using this predatory lending technique are merely hoping someone in dire financial straits will deposit the check out of desperation. After all, if a person is short on cash, it’s easier to use a check that’s already there than head to a lender.

Plus, they may also be counting on the fact that some people won’t realize it’s actually a loan. If a person sees a check with their name on it, they may assume that it is money owed to them. The idea that it is a loan might not even enter their minds.

In a variety of ways, the unsolicited checks to borrowers scheme is trickery. It’s an attempt to lock a borrower into an agreement, potentially without their knowledge, and hold them accountable for the debt and high-interest charges.

If a borrower fails to pay, then they are usually hounded by aggressive collection practices, and may even be sued.

The Consequences of Not Repaying the Loan

Failing to meet the repayment requirements of any loan comes with consequences. However, the approach predatory lenders use tends to be highly aggressive.

For example, they may contact the borrower as well as their friends and family on at least a daily basis. Fees and penalties will mount up quickly, causing the original debt to balloon. Borrowers may also have to contribute to attorney fees, essentially financing the lawsuit against them.

Often, if a predatory lender decides to sue, the action is incredibly swift. One such lender filed within five months of some checks being cashed, showing how little time they gave borrowers before taking action.

Since many consumers can’t gather funds for an attorney of their own, they might not have strong representation in court. However, the lender will have skilled lawyers on their side, increasing the odds that they’ll win.

Additionally, the lender will take on a variety of costs to the lawsuit. For instance, they may go after the borrower for processing fees or insurance costs, along with interest, late fees, and the entire original principal, even if the loan is partially repaid.

Along with all of that trouble, borrowers also face the traditional trappings of not repaying a loan. Their credit scores will usually fall, and they’ll have a black mark on their credit report for years to come.

How to Avoid This Predatory Lending Scheme

If you don’t want to become a victim of this predatory lending scheme, make sure you never cash or deposit an unsolicited check without reading any accompanying material. Look over the check for any additional notes, like an interest rate or a statement that shows that it is a loan and not money the company owes you. Then, review any other paperwork that came with the check to discover the sender’s true intentions.

If you determine that it is an unsolicited check to turn you into a borrower, don’t sign, cash, or deposit it. Cashing or depositing the check indicates you accept the terms, so your best bet is to shred the check immediately, ensuring that you and no one else can attempt to use it.

What If You Actually Need to Money?

At times, an unsolicited check to borrowers will arrive at a moment when you happen to be in need. While it may seem kismet, don’t assume that this loan is your ideal solution. Even if you have poor credit scores, there are alternative to predatory lenders.

For example, you may qualify for assistance from a local nonprofit. You might be able to secure a more favorable loan from a local bank or credit union. In reality, borrowing money from a friend or family member might be a better approach.

Instead of assuming that the check is your only choice, it’s always wise to do some research. In many cases, other avenues are available, so don’t consider the check a sign of good fortune. You should always be suspicious and cautious whenever you get an unsolicited check. After all, if something looks too good to be true, it usually is.

Has anyone ever sent unsolicited checks to borrowers in your household? Tell us about your experience in the comments below.

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The New Banking Law Could Have Benefits for You

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dodd-frank reform 2018

In what some consider the largest legal change to financial regulations since the original 2010 passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Dodd-Frank Reform 2018 legislation rolls back some of the regulations in the original legislation. Functionally, the Dodd-Frank Reform 2018 legislation is an adjustment to the original. The good news is that some of the changes may benefit consumers.

What is the Dodd-Frank Reform 2018 Act?

In essence, the Dodd-Frank reform bill is an overhaul of the version that passed in 2010. Certain provisions in the original remain in full effect, but there have been some adjustments and eliminations.

Both versions of the Dodd-Frank act focus on banking regulations. The first was a response to the financial crisis that rocked the U.S. economy back in 2008. It focused on a variety of issues, including the risky mortgages that led to a larger crash. It also focused on points relating to financial institutions deemed too big to fail.

The Dodd-Frank Reform 2018 legislation is an easing of many of the rules featured in the original bill. However, they aren’t universally applied. Small to mid-size lenders will benefit from the changes. Some of the country’s largest institutions will still be subject to the original regulations.

With the new law, a “small bank” is a financial institution with less than $250 billion in assets. Banks of this size were considered too big to fail in the original Dodd-Frank Act, which set the line at $10 billion. That is no longer the case.

Other adjustments were also part of the package, some of which may benefit consumers.

Mortgage Underwriting Requirements

One provision in the bill could make it easier to secure a mortgage from community banks or credit unions. Previously, small financial institutions had to follow federal underwriting requirements in exchange for certain protections. For example, mortgage payments could not exceed 43 percent of a borrower’s income. Otherwise, it wouldn’t count as a “Qualified Mortgage,” under federal guidelines.

The reforms aren’t as stringent. Smaller banks and credit unions will have protection even if the qualified mortgage condition isn’t met, as long as the financial institution keeps the mortgage as part of their portfolio. Meaning, they can’t sell it to investors, then they can exceed the 43 percent threshold.

By giving small banks that flexibility, it may be easier for lower-income households to finance a home purchase. However, there is no guarantee smaller banks and credit unions will actually increase the amount they lend to borrowers. It isn’t a requirement. This merely gives them an option to lend that wasn’t on the table previously. Some institutions may choose not to exercise that right.

Private Student Loan Repayment

Private student loans acquired 180 days or more after the reform bill’s passage are subject to new rules that can be beneficial to consumers. First, lenders cannot declare default or accelerate any repayment terms in cases where a co-signer dies or declares bankruptcy. This provides a level of protection to the primary borrower, ensuring that such events don’t automatically impact them in a negative way.

Second, the Dodd-Frank Reform 2018 Act requires private student loan lenders to release cosigners from any remaining debt should the primary borrower die. This makes becoming a cosigner a bit safer, as previous rules did not prohibit the attempt to secure repayment.

Removing a private student loan default from your credit report is also simpler. If your lender offers a rehabilitation program for a loan in default that includes regular, consistent payments on the owed amount, you could request the removal of the negative remark on your report.

Free Credit Report Freeze

A portion of the reform act that went into effect on September 21, 2018, now allows consumers to freeze their credit reports for free. Previously, credit bureaus could charge, typically between $3 and $10, except under specific circumstances.

Additionally, unfreezing your credit report is also a no-cost service. This includes both permanent and temporary unfreezing, giving consumers the ability to prevent identity theft without any undue hardship should they apply for new forms of credit in the future.

The issue of charging for credit freezes became a hot topic after the Equifax breach in 2017. During the cyber attack, personal information on approximately 148 million consumers was compromised, including their names, Social Security numbers, birthdates, and addresses.

When people flocked to credit bureau sites to freeze their reports as a means of protecting themselves, it usually came with a price, potentially one from each bureau. This led legislators to call for a change, and it was included in the Dodd-Frank Reform 2018 Act.

Will There Be More Reforms in the Future?

There were changes to the regulations, and certain other provisions may certainly be targets in the future. This means that other portions of the original legislation may undoubtedly be subject to change over time. There is often a battle in determining an appropriate level of regulation, and various economic conditions and events can affect legislators’ overall perspective.

The crux of making changes to such legislation usually involves finding a balance between consumer protections, sheltering the economy from a financial crisis, and still allowing banks and borrowers to thrive. Changes to financial regulations often result in an adjustment to the restrictions on these institutions, either making lending requirements more or less stringent, or impacting the cost and profitability of operating a business in the sector.

Determining an ideal point is nearly impossible, as economic conditions and risks shift near continuously. Whether future legislative efforts will target the original Dodd-Frank Act or will work outside of it is somewhat unknown. However, you can practically count on changes occurring semi-regularly as legislators try to achieve their version of a perfect balance.

Do you view the new banking law as beneficial? Let us know in the comments below.

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How Effective Are The Dave Ramsey Baby Steps?

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Dave Ramsey Baby Steps

Dave Ramsey has been someone people looked to for financial advice for years. In fact, more than 4.5 million people have participated in his Financial Peace University. This program outlines steps to becoming financially free, but how effective are the Dave Ramsey baby steps?

What Are The Dave Ramsey Baby Steps?

Before jumping into how effective they are, you should know there are seven baby steps. Each requires you to take a good look at your finances and helps you map out your way to financial freedom. Here they are …

1. Create a $1,000 Emergency Fund

As with most financial programs, you need to establish an emergency fund before doing anything else. This will keep you from going into more debt when something unexpected happens. Because of this, it is Dave Ramsey’s first baby step.

2. Pay Off All Debt Using the Snowball Method

Depending on how much debt you have, this may seem daunting. Any extra cash you have left over at the end of the month should go towards paying off your debt. Ramsey even goes as far as to say you shouldn’t eat out, don’t do anything entertainment wise that isn’t free, until your debt is paid in full.

3. Get 3 to 6 Months of Expenses in Savings

After you’ve paid off all your debt, you’ll be surprised at how quickly you’re able to save even more cash. Then you can pad your emergency savings with a bit of extra cash. Ramsey generally recommends up to six months of expenses in a savings account. This will help in the event that you or someone in your household find themselves out of work for an extended period of time.

4. Invest 15% of Household Income Into Roth IRAs and Pre-Tax Retirement

Once your savings are up to par, it is time to invest in yourself and your retirement. As a general rule of thumb, Ramsey recommends putting 15% of your household income towards your retirement accounts.

5. Start a College Fund for Your Children

If you have kids, once you’ve started to invest in your retirement, you can begin saving for their future. There is no recommended monthly or annual amount you should put towards this. It is up to your own discretion. However, you do want to keep in mind, if you can prevent your children from holding a ton of student loan debt, you should.

6. Pay Your Home Off Early

Now that your child’s college fund has been padded, you can look to paying off your mortgage early. And, if you don’t have children, this would be the next thing to tackle. You could save yourself thousands of dollars by paying your home off early. Not to mention, it will get rid of the last bit of debt you owe.

7. Build Wealth and Give

So, now you’ve paid off all your debt, accrued savings, paid off your mortgage, and invested in yourself. What do you do now? Ramsey recommends continuing step number four and max out your contributions to retirement accounts each year. You can also look for new things to invest in and build wealth.

Lastly, Ramsey is a huge believer in donating money if you are well off. Find a good organization you’d like to donate to or give to your church. Not only are these donations tax-deductible but they will make you feel great. In fact, Ramsey says it is one of the most rewarding things about being debt free.

How Effective is the Program?

The program has proven to be extremely effective for many people. In fact, there are numerous testimonials on Dave Ramsey’s website about how many families this has helped. One family gave credit to Ramsey’s Baby Steps for helping them paying off $162,000 of debt in just seven years.

Those who have followed the program closely have seen great success, proving Dave Ramsey’s Baby Steps. So, how do you get access to the program and become financially successful like these folks?

Getting Access to the Baby Steps

As previously mentioned, these baby steps are part of Ramsey’s Financial Peace University course. The program is nine weeks long. It walks you through each baby step and how to put them to work in your own life. It generally costs about $129. Occasionally, you can find it on sale. So, if you are interested in starting the program, check Ramsey’s site regularly.

If you’re looking for a cheaper way to get access to Ramsey’s baby steps, you can also look into purchasing his best-selling book The Total Money Makeover. The book shares inspiring stories of others who have become financially free by following the Dave Ramsey Baby Steps.

Lastly, you can also sign up on Dave’s site for a seven-day email series that provides tips on how to work the Baby Steps faster. The email series is 100% free.

All in all, Dave Ramsey has been able to help millions of people climb out of debt and get back on top of their lives financially.

Have you taken the nine-week Financial Peace University course or otherwise followed Ramsey’s Baby Steps? Did you have success with the program?

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