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DEBORAH NAYROCKER is the author of the award-winning book, The Art of Debt-Free Living: Living Large on Less Than You Earn. A graduate of Bethel College in Indiana, Deborah also holds a master's degree in education from Indiana University, and writes from the perspective of having little or no debt for years. Her articles on personal finance, Christian living, and personal goal attainment have been published in Campus Life, Vista, More to Life, Living the Solution, and other publications. She and her husband make their home in northern Indiana, and they have two adult children.