 The other side of midnight is a cranky runner. Weeknights, 1 a.m., 2, 5 a.m., W272, E, K, FM, New Bern, North Carolina. Hey, everybody, Charlie Kirk here. Debt, it keeps you tossing and turning at night. You can't get away from it. The truth is this, though. The system is designed to trap you in debt. Insanely high interest credit cards and loans make it nearly impossible to pay off your debt. There's a new way out of the debt trap, Zero Debt USA. You've heard me talk about pivotal debt solutions. Well, now they're Zero Debt USA.