Welcome everyone to another episode of debt stories, real people beating debt and winning financially.

Today we meet Megan 33 who lives in Salt Lake City with her husband and two young children.

She's a full-time hospice nurse working nights and her husband

is a graduate student studying clinical psychology. He's not allowed to work. Their

dead story includes the usual cast of characters, student loans, credit cards, a house, but the

plot really thickened when their first son was born.

My husband and I got married and we both had some credit card debt, nothing too serious and really high student loans to us.

Together we had about 50,000 in student loans.

Next came the mortgage.

We bought a house about two months after we got married

and we just started living the normal life.

We weren't really worried about debt,

paying minimums on things.

So they cruised along, making those minimum payments

on their debts until the birth of their first son.

My insurance was pretty poor at the time.

That birth cost $12,000.

He was a C-section and he was in the NICU for a week

and it was just very unexpected.

And then I worked extra, I worked really hard

and we paid that off. and then when I got pregnant again with my

second child I did not want to have that happen so I actually looked online and I said I'm going to figure out a way to be totally prepared and I want to have a maternity leave without concern and I found the whinab.

...