Hour 3: Aired on Tuesday, March 29, 2016

- Holly (Buffalo, NY) asks how to set up a college fund for her grandkids.

- Brice (Gettysburg, PA) wants to know more about maintaining his credit score.

- Mike (Sioux Falls, SD) wonders about refinancing with a low score.

- Dave reads a Twitter question from Mitch, who is thinking that he should freeze his credit after a recent data breach.

- Loy (Midland, TX) asks how to buy a home while in debt and with poor credit.

- Marla (Phoenix) is on disability and about to get divorced, and she wants to know how to move forward.

- Jason and Lisa (Columbia, MO) are thrilled to shout that they've paid off $186,000 in 65 months and are now debt-free!

- Dave reads the Scripture and quote of the day.

- Nancy (New Haven, CT) wonders how to get her husband more fired up about paying off debt.

- Jackie (Los Angeles) is in bankruptcy with an untenable mortgage.