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Listeners of "The Ramsey Show" often find themselves nodding along to stories that could be their own. The stories feature all-too-common scenarios of financial distress with the teller seeking a glimmer of hope. In a particularly compelling segment, John from Texas shared his overwhelming battle against debt — a tale that resonates with many. At age 28, with a wife, a 9-month-old daughter and working toward a doctorate, John’s financial load is crushing: $300,000 in student loans, $40,000 in pe ....