A long-delayed financial plan began collapsing when a 46-year-old realized her debt hadn't shrunk with time — it had quietly grown alongside it. Christy, calling from Louisville, Kentucky, contacted "The Ramsey Show" while carrying about $110,000 in student loan debt and managing a household strained by credit cards and gig income. She said years spent raising children on a tight budget pushed long-term plans aside, and those choices were now colliding with middle age. "We're robbing Peter to pay Paul a ...