I’m not familiar with the Ramsey classes, but a third party solution saved my butt. 10 years ago now. I believe it was with Trinity, then later with Cambridge. They stopped the escalating rates, penalties, etc. and I was able to gain ground.
I did pay them for their service, but I was thrilled. iirc, I paid 45 a month for the service for about 30 months...12,000 approx in debit and climbing, until I hired Trinity.
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