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Kaye’s journey began amidst the COVID-19 pandemic in 2020. Faced with over $170,000 in student loan debt—which stemmed largely from graduate studies in education—he experienced a moment of reckoning. The loans felt suffocating, a looming burden that hindered his financial and mental well-being. Recognizing the need for change, Kaye made a commitment to tackle his debt aggressively and reclaim control over his financial future.