Proverbs 22:7 warns of the dangers of debt, and this is especially true for student loan debt, which is now over $1.75 trillion. Howard Dayton, former host of this program and founder of Compass - Finances God's Way, has come up with five ways to avoid the student debt trap. These include taking dual credit classes, enrolling in a local community college, securing grants and scholarships, encouraging children to work part-time, and starting to save early. Rob also answers listener questions about taking money out of an IRA to pay off a home equity loan, planning for the distribution of assets to heirs, and determining the right time to start drawing Social Security benefits. Howard Dayton has the wisdom to help you avoid the student debt trap and Rob has the answers to your financial questions.