Article: Students' grades decline; seniors risk losing their homes.

Byline: Marty Primeau

Jul. 23--Jenita Turner thought she would never forget the humiliation of declaring bankruptcy.

Or the stress of owing more money than she and her husband earned.

But 10 years after filing Chapter 7, the Turners reverted to their free-spending habits.

"Christmas comes along. A hospital bill. You don't stop to think how it's all adding up," she said.

By 2001, the middle-aged Amarillo couple was barely making the minimum payments on their credit cards.

"We had to do something drastic," Turner said. "We cut up our cards and cut way back on spending."

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