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A 62-page credit report was my first signal that something needed to change in my life. My son's health crisis in 2010 meant that the medical bills piled up. And when the medical bills required cash to cover them, that meant that all other bills went on the credit card. Of course, to cover the credit card, I turned to personal loans. And soon I found myself on the debt treadmill. My debt drama started in 2010, but did not reveal itself until a few years later. Watch more here.

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