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The glow of my laptop screen felt like an interrogation lamp that Tuesday evening. I was hunched over our dining table, surrounded by wrinkled bank statements and a calculator smudged with nervous fingerprints. My daughter's college acceptance letter lay beside them - a proud moment now shadowed by cold financial reality. Those "safe" certificates of deposit I'd meticulously funded for years suddenly seemed like abstract numbers on paper, completely disconnected from the $42,000 tuition bill sta

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