Lauren Greutman felt sick.
She and her husband Mark were about $40,000 in debt, and were having trouble paying their monthly bills. As recent homebuyers, the couple from Syracuse, New York, were already underwater on the mortgage and getting by on one income as Lauren focused on being a stay-at-home mom. "We were in a really bad financial position, and just didn't have the money to make ends meet," remembers Greutman, now 33 and a mom of four.
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