text:  That's RamseySolutions.com or 888-227-3223. Hey guys, George Camel here. Listen, if you think student loans and credit cards and credit scores are meant to help you get ahead, you're what's known as wrong. That's because those things are just tools that the toxic money system uses to keep you broke and stressed out. And I should know, because I fell for all the money traps and lies out there, and it left me with anxiety and frustration and stress.