Unlike most of the school-loan borrowers who make it into the news, the most severely delinquent borrowers tend to have low balances and low monthly payments.
Even, a new company that hopes to provide some peace of mind to hourly workers and freelancers, is a paranoiac technology for a time of justifiable economic paranoia.
Meet Dave Ramsey, the most important personal finance guru in America. Millions of people follow his biblically inspired advice. It goes like this: 1. Purge yourself of debt; 2. Live on cash; 3. Pretend economic trends don't affect you; 4. Blame yourself when they do.