My wife an I have taken the Dave Ramsey class at church, and we're now taking a second mini-course with our Bible study group. While most of what Dave says is spot-on, we do have some reservations about the program, and we also wonder if his plan goes far enough in its disdain for credit. I wanted to take a look at a few aspects of the class, and also suggest a better ultimate solution for freeing ourselves from the chains of debt using the church as the lending institution. 

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