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The radiator in my ancient Honda Civic finally gave up last Tuesday, hissing like an angry cat during my commute to campus. As steam curled from the hood in the freezing Chicago dawn, the mechanic’s estimate—$380—echoed in my skull. I was already juggling ramen-noodle budgets between tuition and rent, and that number felt like a punch. Scrolling through my phone in the waiting room, caffeine jitters mixing with panic, I spotted Money 24h buried under study apps. Skepticism clawed at me; every "e