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Kaye's initial struggles concerning his loans led him to seek education around debt management and budgeting. In late 2020, he discovered the “You Need a Budget” (YNAB) program, which proved to be transformative. Learning how to budget effectively led Kaye to understand his financial situation better—what he earned, what his life cost, and where his money could be allocated to make a difference.
This newfound knowledge empowered him to allocate funds meaningfully, enabling consistent payments towards his debt. His initiative to engage with budgeting allowed him to shift from a place of desperation to being actively engaged and informed.