{
  "version": 1,
  "schema_notes": "DHU course manifest. Brief schema extended with: course.description, course.icon_class, course.meta_text, course.badge_class, course.badge_text; track.section_kind (callout|phase|special), track.section_id, track.phase_num, track.phase_num_class, track.border_class, track.subtitle, track.callout. Required brief fields all present.",
  "tracks": [
    {
      "id": "urgent",
      "title": "Urgent Situation Courses",
      "order": 1,
      "section_id": "urgent",
      "section_kind": "callout",
      "border_class": "phase-border-urgent",
      "callout": {
        "tag": "🚨 If you need help right now",
        "title": "Urgent Situation Courses",
        "description": "You've been sued, you're being harassed, you're worried they're going to take your house or car, or you're trying to decide if bankruptcy is the right move. These courses are for people who need answers in hours, not weeks. Each one walks through the immediate steps, the legal protections you have, and the realistic timeline for resolution."
      },
      "courses": ["sued-by-creditor", "stopping-collection-calls", "can-they-take", "should-i-file-bankruptcy", "bankruptcy-vs-settlement", "surviving-repossession", "what-is-a-default-judgment", "sue-debt-collector", "judgment-lien-explained"]
    },
    {
      "id": "phase-1",
      "title": "Foundation — Understand the Problem + Options",
      "order": 2,
      "section_id": "phase-1",
      "section_kind": "phase",
      "phase_num": "1",
      "phase_num_class": "phase-num-1",
      "border_class": "phase-border-1",
      "subtitle": "Get clarity on where you stand and what paths are available to you.",
      "courses": ["understanding-debt", "debt-relief-options", "how-debthelp-works", "qualify-checklist", "reading-credit-card-statement", "what-happens-when-you-stop-paying", "minimum-payment-trap", "debt-relief-decision-tree", "buy-now-pay-later-debt", "payday-loan-escape", "charge-off-explained", "dmp-vs-debt-settlement"]
    },
    {
      "id": "phase-2",
      "title": "Financial Awareness — Control the Money",
      "order": 3,
      "section_id": "phase-2",
      "section_kind": "phase",
      "phase_num": "2",
      "phase_num_class": "phase-num-2",
      "border_class": "phase-border-2",
      "subtitle": "Build the habits and systems that fund your path out of debt.",
      "courses": ["budgeting-for-success", "budget-builder", "statement-analyzer", "income-optimization", "banking-cash-flow", "hardship-documentation", "settlement-budget", "debt-payoff-planner", "emergency-fund-builder", "hardship-letter-template", "subscription-audit-tool"]
    },
    {
      "id": "phase-3",
      "title": "Credit & Behavior — Fix the Root Cause",
      "order": 4,
      "section_id": "phase-3",
      "section_kind": "phase",
      "phase_num": "3",
      "phase_num_class": "phase-num-3",
      "border_class": "phase-border-3",
      "subtitle": "Understand credit mechanics and the behavioral patterns that drive debt.",
      "courses": ["credit-score-impact", "credit-report-mastery", "behavioral-finance", "authorized-users-cosigners", "identity-theft-fraud", "cosigner-rights-default", "credit-score-simulator"]
    },
    {
      "id": "survival",
      "title": "Real-Life Survival",
      "order": 5,
      "section_id": "survival",
      "section_kind": "phase",
      "phase_num": "💜",
      "phase_num_class": "phase-num-survival",
      "border_class": "phase-border-survival",
      "subtitle": "Debt doesn't exist in a vacuum — it intersects with marriage, parenting, mental health, and life emergencies. These courses address the human side of the financial work.",
      "courses": ["financial-emergency", "talking-to-spouse", "parenting-in-debt", "mental-health-debt", "debt-in-marriage", "job-loss-debt-guide"]
    },
    {
      "id": "phase-4",
      "title": "Advanced Strategy — Where You Win",
      "order": 6,
      "section_id": "phase-4",
      "section_kind": "phase",
      "phase_num": "4",
      "phase_num_class": "phase-num-4",
      "border_class": "phase-border-4",
      "subtitle": "Master the tactics that maximize your settlements and protect your rights.",
      "courses": ["debt-settlement-101", "settlement-time-machine", "legal-protection", "creditor-guide", "heloc-sweep-strategy", "debt-consolidation-heloc", "three-negotiation-counterparties", "validation-disputing", "lawsuit-risk-estimator", "garnishment-calculator", "recognize-a-scam", "scam-detector", "statute-of-limitations-lookup", "balance-transfer-strategy", "debt-consolidation-loan", "how-long-debt-settlement", "debt-buyers-explained", "fake-debt-collector", "phantom-debt", "debt-relief-scam-2026"]
    },
    {
      "id": "phase-5",
      "title": "Exit & Wealth Building — Future State",
      "order": 7,
      "section_id": "phase-5",
      "section_kind": "phase",
      "phase_num": "5",
      "phase_num_class": "phase-num-5",
      "border_class": "phase-border-5",
      "subtitle": "Graduate from debt into lasting financial health and wealth.",
      "courses": ["life-after-debt", "rebuilding-credit", "wealth-building", "hidden-401k-boost", "estate-planning-basics", "insolvency-calculator", "mortgage-readiness-tracker", "cancelled-debt-tax-estimator"]
    },
    {
      "id": "wealth-credit",
      "title": "Advanced Wealth & Credit",
      "order": 8,
      "section_id": "wealth-credit",
      "section_kind": "phase",
      "phase_num": "💎",
      "phase_num_class": "phase-num-wealth",
      "border_class": "phase-border-wealth",
      "subtitle": "Once the debt is handled, the rebuild has a different set of moves. House buying after settlement, car buying without getting ripped off, insurance optimization, and the post-recovery tax strategy.",
      "courses": ["house-after-settlement", "car-buying", "insurance-optimization", "understanding-taxes"]
    },
    {
      "id": "insider",
      "title": "DebtHelp Insider",
      "order": 9,
      "section_id": "insider",
      "section_kind": "phase",
      "phase_num": "🥇",
      "phase_num_class": "phase-num-insider",
      "border_class": "phase-border-insider",
      "subtitle": "Two decades of accumulated negotiation data, surfaced as patterns. The mechanics most settlement companies never share — how creditors actually decide, what drives settlement percentages, and the math behind the outcomes.",
      "courses": ["inside-creditor-negotiations", "science-of-debt-payoff"]
    },
    {
      "id": "special-situations",
      "title": "Special Situations",
      "order": 10,
      "section_id": "special-situations",
      "section_kind": "special",
      "phase_num": "+",
      "subtitle": "Life events don't wait. These courses address specific circumstances that affect your debt journey.",
      "courses": ["debt-after-divorce", "debt-in-retirement", "medical-debt-crisis", "business-debt-relief", "student-loan-debt", "debt-after-death", "military-veterans", "tax-debt-irs", "debt-recovery", "gig-worker-debt", "homestead-exemptions", "debt-free-by-retirement", "retirement-planning", "gig-tax-planner", "itin-immigrant-debt-guide"]
    },
    {
      "id": "games",
      "title": "Games",
      "order": 11,
      "section_id": "games",
      "section_kind": "phase",
      "phase_num": "🎮",
      "phase_num_class": "phase-num-2",
      "border_class": "phase-border-2",
      "subtitle": "Learn by doing — financial simulations that teach real principles through decision-making. No login required.",
      "courses": ["game-spot-the-scam", "game-debt-or-deal", "game-budget-survivor"]
    }
  ],
  "courses": {
    "sued-by-creditor": {
      "slug": "sued-by-creditor",
      "url": "/university/sued-by-creditor.html",
      "title": "What To Do If You've Been Sued",
      "description": "The 20-day clock, how to file an Answer, default judgments, garnishment limits, and when to hire an attorney.",
      "icon": "⚖️",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "course",
      "lessons": 6,
      "minutes": 30,
      "meta_text": "6 lessons · ~30 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "stopping-collection-calls": {
      "slug": "stopping-collection-calls",
      "url": "/university/stopping-collection-calls.html",
      "title": "Stopping Collection Calls",
      "description": "FDCPA rights, validation letters, cease & desist, when call recording is legal, and how to sue collectors who break the law.",
      "icon": "📵",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "course",
      "lessons": 6,
      "minutes": 30,
      "meta_text": "6 lessons · ~30 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "can-they-take": {
      "slug": "can-they-take",
      "url": "/university/can-they-take.html",
      "title": "Can They Take My House or Car?",
      "description": "Secured vs unsecured debt, repossession timelines, foreclosure mechanics, state homestead exemptions, and the HELOC trap.",
      "icon": "🏠",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "course",
      "lessons": 6,
      "minutes": 30,
      "meta_text": "6 lessons · ~30 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "should-i-file-bankruptcy": {
      "slug": "should-i-file-bankruptcy",
      "url": "/university/should-i-file-bankruptcy.html",
      "title": "Should I File Bankruptcy?",
      "description": "Honest comparison of Chapter 7, Chapter 13, and settlement — qualifying, what each erases, costs, and which fits your situation.",
      "icon": "⚖️",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "course",
      "lessons": 6,
      "minutes": 30,
      "meta_text": "6 lessons · ~30 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "bankruptcy-vs-settlement": {
      "slug": "bankruptcy-vs-settlement",
      "url": "/university/bankruptcy-vs-settlement.html",
      "title": "Bankruptcy vs Settlement: Side-by-Side",
      "description": "Direct comparison table: cost, timeline, credit impact, tax treatment, and a decision matrix for picking the right tool.",
      "icon": "📊",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "reference",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference Guide · ~15 min",
      "badge_class": "badge-reference",
      "badge_text": "Reference",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": false
    },
    "understanding-debt": {
      "slug": "understanding-debt",
      "url": "/university/understanding-debt.html",
      "title": "Understanding Your Debt Situation",
      "description": "Types of debt, interest traps, why minimum payments don't work.",
      "icon": "📚",
      "icon_class": null,
      "track": "phase-1",
      "type": "course",
      "lessons": 5,
      "minutes": 15,
      "meta_text": "5 lessons · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "debt-relief-options": {
      "slug": "debt-relief-options",
      "url": "/university/debt-relief-options.html",
      "title": "Your 5 Options Explained",
      "description": "Every path out of debt with honest pros, cons, and who each option is best for.",
      "icon": "🗺️",
      "icon_class": null,
      "track": "phase-1",
      "type": "course",
      "lessons": 5,
      "minutes": 25,
      "meta_text": "5 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "how-debthelp-works": {
      "slug": "how-debthelp-works",
      "url": "/university/how-debthelp-works.html",
      "title": "How the DebtHelp Program Works",
      "description": "Your escrow account, negotiation process, timelines, and fees.",
      "icon": "⚙️",
      "icon_class": null,
      "track": "phase-1",
      "type": "course",
      "lessons": 4,
      "minutes": 20,
      "meta_text": "4 lessons · ~20 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "qualify-checklist": {
      "slug": "qualify-checklist",
      "url": "/university/qualify-checklist.html",
      "title": "Do You Qualify? Self-Assessment",
      "description": "Interactive checklist to see if debt settlement fits your situation.",
      "icon": "✅",
      "icon_class": null,
      "track": "phase-1",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": false
    },
    "reading-credit-card-statement": {
      "slug": "reading-credit-card-statement",
      "url": "/university/reading-credit-card-statement.html",
      "title": "Reading Your Credit Card Statement",
      "description": "The CARD Act disclosure box, APR vs APY, minimum payment math, and the fee anatomy that costs households thousands.",
      "icon": "💳",
      "icon_class": null,
      "track": "phase-1",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "what-happens-when-you-stop-paying": {
      "slug": "what-happens-when-you-stop-paying",
      "url": "/university/what-happens-when-you-stop-paying.html",
      "title": "What Happens When You Stop Paying",
      "description": "The month-by-month timeline: late fees, charge-off at 180 days, third-party collection, lawsuit windows.",
      "icon": "⏱️",
      "icon_class": null,
      "track": "phase-1",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "budgeting-for-success": {
      "slug": "budgeting-for-success",
      "url": "/university/budgeting-for-success.html",
      "title": "Building a Real Budget",
      "description": "Income vs. expenses, needs vs. wants, and finding money for your program.",
      "icon": "💰",
      "icon_class": null,
      "track": "phase-2",
      "type": "course",
      "lessons": 4,
      "minutes": 20,
      "meta_text": "4 lessons · ~20 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "budget-builder": {
      "slug": "budget-builder",
      "url": "/university/budget-builder.html",
      "title": "Budget Builder & Excel Export",
      "description": "Build your real monthly budget, allocate income to bill and play accounts, plan sinking funds, and export an annual workbook with monthly tabs.",
      "icon": "🧾",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": false
    },
    "statement-analyzer": {
      "slug": "statement-analyzer",
      "url": "/university/statement-analyzer.html",
      "title": "Bank Statement Analyzer",
      "description": "Drop in 12 months of CSV statements and see exactly where your money goes. 100% private — runs in your browser, never uploads, never stored.",
      "icon": "📊",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool · Private",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": false
    },
    "income-optimization": {
      "slug": "income-optimization",
      "url": "/university/income-optimization.html",
      "title": "Income Optimization",
      "description": "Side income strategies, negotiating pay, cutting hidden costs.",
      "icon": "📈",
      "icon_class": null,
      "track": "phase-2",
      "type": "course",
      "lessons": 3,
      "minutes": 15,
      "meta_text": "3 lessons · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "banking-cash-flow": {
      "slug": "banking-cash-flow",
      "url": "/university/banking-cash-flow.html",
      "title": "Banking & Cash Flow Control",
      "description": "Account structure, autopay strategy, avoiding NSF issues.",
      "icon": "🏦",
      "icon_class": null,
      "track": "phase-2",
      "type": "course",
      "lessons": 3,
      "minutes": 15,
      "meta_text": "3 lessons · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "hardship-documentation": {
      "slug": "hardship-documentation",
      "url": "/university/hardship-documentation.html",
      "title": "Hardship Documentation",
      "description": "How to articulate and prove hardship for creditor settlements, mortgage modifications, and hospital charity care.",
      "icon": "📝",
      "icon_class": null,
      "track": "phase-2",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "settlement-budget": {
      "slug": "settlement-budget",
      "url": "/university/settlement-budget.html",
      "title": "Living on a Settlement Budget",
      "description": "The 36-48 months of program life: cash flow architecture, holiday budgeting, handling life events.",
      "icon": "📊",
      "icon_class": null,
      "track": "phase-2",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "credit-score-impact": {
      "slug": "credit-score-impact",
      "url": "/university/credit-score-impact.html",
      "title": "Credit Score Deep Dive",
      "description": "How scores really work and what actually moves the needle.",
      "icon": "📊",
      "icon_class": null,
      "track": "phase-3",
      "type": "course",
      "lessons": 4,
      "minutes": 20,
      "meta_text": "4 lessons · ~20 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "credit-report-mastery": {
      "slug": "credit-report-mastery",
      "url": "/university/credit-report-mastery.html",
      "title": "Credit Report Mastery",
      "description": "Reading reports, disputing errors, knowing the difference.",
      "icon": "🔍",
      "icon_class": null,
      "track": "phase-3",
      "type": "course",
      "lessons": 3,
      "minutes": 15,
      "meta_text": "3 lessons · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "behavioral-finance": {
      "slug": "behavioral-finance",
      "url": "/university/behavioral-finance.html",
      "title": "Behavioral Finance",
      "description": "Spending habits, emotional triggers, preventing relapse.",
      "icon": "🧠",
      "icon_class": null,
      "track": "phase-3",
      "type": "course",
      "lessons": 3,
      "minutes": 15,
      "meta_text": "3 lessons · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "authorized-users-cosigners": {
      "slug": "authorized-users-cosigners",
      "url": "/university/authorized-users-cosigners.html",
      "title": "Authorized Users, Co-Signers & Joint Accounts",
      "description": "Three completely different legal relationships. What happens to spouses, parents, and kids on shared accounts when you settle.",
      "icon": "👥",
      "icon_class": null,
      "track": "phase-3",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "identity-theft-fraud": {
      "slug": "identity-theft-fraud",
      "url": "/university/identity-theft-fraud.html",
      "title": "Identity Theft & Fraud Recovery",
      "description": "Freezes vs locks vs monitoring, the FTC IdentityTheft.gov process, and how to dispute fraudulent debts.",
      "icon": "🔒",
      "icon_class": null,
      "track": "phase-3",
      "type": "course",
      "lessons": 6,
      "minutes": 25,
      "meta_text": "6 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "financial-emergency": {
      "slug": "financial-emergency",
      "url": "/university/financial-emergency.html",
      "title": "Surviving a Financial Emergency",
      "description": "Job loss, medical events, divorce, death — the bill hierarchy, what to pay first, and how to keep a setback from becoming bankruptcy.",
      "icon": "🆘",
      "icon_class": "survival",
      "track": "survival",
      "type": "course",
      "lessons": 6,
      "minutes": 30,
      "meta_text": "6 lessons · ~30 min",
      "badge_class": "badge-survival",
      "badge_text": "Survival",
      "tag": null,
      "added_at": null,
      "updated_at": null,
      "has_quiz": true
    },
    "talking-to-spouse": {
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      "slug": "debt-recovery",
      "url": "/university/debt-recovery.html",
      "title": "Debt in Recovery",
      "description": "Addiction and mental health intersect with debt in specific ways. Predatory lending patterns and resources designed for both.",
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    },
    "gig-worker-debt": {
      "slug": "gig-worker-debt",
      "url": "/university/gig-worker-debt.html",
      "title": "Gig Worker & 1099 Debt",
      "description": "Irregular income budgeting, self-employment tax debt, and why traditional W-2 advice fails self-employed people.",
      "icon": "💻",
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    "homestead-exemptions": {
      "slug": "homestead-exemptions",
      "url": "/university/homestead-exemptions.html",
      "title": "Homestead Exemptions Explained",
      "description": "What homestead exemptions are, how they reduce property taxes, how they protect equity from creditors, qualification requirements, and what varies dramatically by state.",
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      "badge_class": "badge-life",
      "badge_text": "Home & Property",
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      "added_at": "2026-05-28",
      "updated_at": null,
      "has_quiz": true,
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    },

    "debt-free-by-retirement": {
      "slug": "debt-free-by-retirement",
      "url": "/university/debt-free-by-retirement.html",
      "title": "Debt Free By Retirement Calculator",
      "description": "Enter your debts, current age, and target retirement age. See exactly what monthly payment gets you to zero by retirement — and if it's too high, adjust it to find your real debt-free date.",
      "icon": "🎯",
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      "type": "interactive",
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      "updated_at": null,
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    },

    "retirement-planning": {
      "slug": "retirement-planning",
      "url": "/university/retirement-planning.html",
      "title": "Retirement Planning & Prep",
      "description": "Plan to arrive at retirement debt-free. Insurance prep (auto, home, LTC), Medicare Parts A/B/C/D and supplement plans, and Social Security claiming strategy — when to claim, early vs. late tradeoffs, and how debt urgency can force a costly early claim.",
      "icon": "🏖️",
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      "lessons": 5,
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      "badge_text": "Retirement",
      "tag": null,
      "added_at": "2026-05-28",
      "updated_at": null,
      "has_quiz": true,
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    },

    "debt-consolidation-heloc": {
      "slug": "debt-consolidation-heloc",
      "url": "/university/debt-consolidation-heloc.html",
      "title": "Debt Consolidation Into a HELOC or Cash-Out Refi",
      "description": "Interactive side-by-side comparison of your current debt path vs. rolling it into a HELOC or mortgage refi. Shows total interest and total cost at multiple payback horizons (3 to 30 years). Includes prominent behavioral warning about re-borrowing and foreclosure risk.",
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      "icon_class": null,
      "track": "phase-4",
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      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool + Course",
      "badge_class": "badge-interactive",
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      "added_at": "2026-05-28",
      "updated_at": null,
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    },

    "surviving-repossession": {
      "slug": "surviving-repossession",
      "url": "/university/surviving-repossession.html",
      "title": "Car Repossession: What Happens and What to Do",
      "description": "What happens the day your car is repossessed, how to get it back (redemption vs reinstatement), your rights against the deficiency balance, and how to rebuild without wheels.",
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      "icon_class": "urgent",
      "track": "urgent",
      "type": "course",
      "lessons": 5,
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      "meta_text": "5 lessons · ~25 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": true,
      "published": true
    },

    "what-is-a-default-judgment": {
      "slug": "what-is-a-default-judgment",
      "url": "/university/what-is-a-default-judgment.html",
      "title": "What Is a Default Judgment?",
      "description": "What a default judgment is, how to avoid one (responding to the summons), what happens after one is entered, how to vacate it, and what wage garnishment and bank levy follow.",
      "icon": "⚖️",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference · ~15 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "minimum-payment-trap": {
      "slug": "minimum-payment-trap",
      "url": "/university/minimum-payment-trap.html",
      "title": "Minimum Payment Trap Calculator",
      "description": "Enter your balance, APR, and minimum payment. See the true total cost, payoff date, and how much you save by paying even $50 more per month. Eye-opening math that changes behavior.",
      "icon": "💳",
      "icon_class": null,
      "track": "phase-1",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "debt-relief-decision-tree": {
      "slug": "debt-relief-decision-tree",
      "url": "/university/debt-relief-decision-tree.html",
      "title": "Which Debt Relief Path Fits You?",
      "description": "Answer 10 questions about your situation and see an educational comparison of debt settlement, debt management plans, and bankruptcy — with fit ratings and suggested next steps. For research only.",
      "icon": "🗺️",
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      "track": "phase-1",
      "type": "interactive",
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      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
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      "added_at": "2026-06-04",
      "updated_at": null,
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    },

    "buy-now-pay-later-debt": {
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      "url": "/university/buy-now-pay-later-debt.html",
      "title": "Buy Now Pay Later Debt: The Hidden Cost",
      "description": "BNPL splits a purchase into installments — but the math, credit reporting, and default consequences are much more dangerous than they appear. Learn how BNPL debt accumulates and how to get out.",
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      "track": "phase-1",
      "type": "course",
      "lessons": 5,
      "minutes": 25,
      "meta_text": "5 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": true,
      "published": true
    },

    "payday-loan-escape": {
      "slug": "payday-loan-escape",
      "url": "/university/payday-loan-escape.html",
      "title": "Payday Loan Escape Plan",
      "description": "How the payday loan debt cycle works, the effective APR math, state-by-state protections, the installment-plan right most borrowers don't use, and a step-by-step escape sequence.",
      "icon": "🏃",
      "icon_class": null,
      "track": "phase-1",
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      "lessons": 5,
      "minutes": 25,
      "meta_text": "5 lessons · ~25 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": true,
      "published": true
    },

    "charge-off-explained": {
      "slug": "charge-off-explained",
      "url": "/university/charge-off-explained.html",
      "title": "Charge-Off Explained",
      "description": "What charge-off actually means (you still owe it), how it appears on your credit report, the 7-year clock, what happens to the debt afterward, and how it affects settlement timing.",
      "icon": "📋",
      "icon_class": null,
      "track": "phase-1",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "debt-payoff-planner": {
      "slug": "debt-payoff-planner",
      "url": "/university/debt-payoff-planner.html",
      "title": "Debt Payoff Planner: Snowball vs Avalanche",
      "description": "Enter all your debts and see side-by-side payoff timelines and total interest for the snowball (lowest balance first) and avalanche (highest APR first) strategies. Save your plan.",
      "icon": "📊",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "emergency-fund-builder": {
      "slug": "emergency-fund-builder",
      "url": "/university/emergency-fund-builder.html",
      "title": "Emergency Fund Builder",
      "description": "Calculate your 3-month and 6-month emergency fund target, find micro-savings opportunities in your budget, and build a realistic timeline to your safety net — even while in a debt program.",
      "icon": "🛡️",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "game-budget-survivor": {
      "slug": "game-budget-survivor",
      "url": "/university/game-budget-survivor.html",
      "title": "Budget Survivor: 30-Day Hardship Simulation",
      "description": "Survive a simulated month of financial hardship — job loss, unexpected expenses, tough trade-offs. Learn cash-flow triage by playing through it, not reading about it.",
      "icon": "🎮",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Simulation Game",
      "badge_class": "badge-interactive",
      "badge_text": "Game",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "debt-in-marriage": {
      "slug": "debt-in-marriage",
      "url": "/university/debt-in-marriage.html",
      "title": "Debt in Marriage: What You're Actually Liable For",
      "description": "Community property vs common-law liability, what prenuptial agreements can and cannot do, authorized user vs co-signer, and what happens to both credit reports when one spouse pursues debt relief.",
      "icon": "💍",
      "icon_class": "survival",
      "track": "survival",
      "type": "course",
      "lessons": 5,
      "minutes": 25,
      "meta_text": "5 lessons · ~25 min",
      "badge_class": "badge-survival",
      "badge_text": "Survival",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": true,
      "published": true
    },

    "statute-of-limitations-lookup": {
      "slug": "statute-of-limitations-lookup",
      "url": "/university/statute-of-limitations-lookup.html",
      "title": "Statute of Limitations on Debt by State",
      "description": "Look up the SOL period for your state and debt type, enter your last payment date, and see whether your window is active, closing, or expired — with plain-English guidance on what that means.",
      "icon": "⏰",
      "icon_class": null,
      "track": "phase-4",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "balance-transfer-strategy": {
      "slug": "balance-transfer-strategy",
      "url": "/university/balance-transfer-strategy.html",
      "title": "Balance Transfer Strategy: When It Works and When It Backfires",
      "description": "The math on 0% intro-period balance transfers, the transfer fee break-even, what happens if you can't pay it off in time, and how balance transfers interact with debt settlement.",
      "icon": "🔄",
      "icon_class": null,
      "track": "phase-4",
      "type": "course",
      "lessons": 4,
      "minutes": 20,
      "meta_text": "4 lessons · ~20 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": true,
      "published": true
    },

    "debt-consolidation-loan": {
      "slug": "debt-consolidation-loan",
      "url": "/university/debt-consolidation-loan.html",
      "title": "Debt Consolidation Loan vs Debt Settlement",
      "description": "Side-by-side comparison of personal consolidation loans and debt settlement — total cost, credit impact, qualification requirements, and which situations each option actually fits.",
      "icon": "⚖️",
      "icon_class": null,
      "track": "phase-4",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "how-long-debt-settlement": {
      "slug": "how-long-debt-settlement",
      "url": "/university/how-long-debt-settlement.html",
      "title": "How Long Does Debt Settlement Take?",
      "description": "A realistic month-by-month timeline of the settlement process: enrollment, savings building, first negotiations, settlement offers, and graduation — with the factors that speed it up or slow it down.",
      "icon": "📅",
      "icon_class": null,
      "track": "phase-4",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "game-spot-the-scam": {
      "slug": "game-spot-the-scam",
      "url": "/university/game-spot-the-scam.html",
      "title": "Spot the Scam: 10-Round Debt Scam Detector Game",
      "description": "Read 10 real-looking debt-relief and debt-collection messages. Flag the scams, identify the red flags, and learn the FTC rules behind each one. Get scored — and learn from every wrong answer.",
      "icon": "🎯",
      "icon_class": null,
      "track": "phase-4",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Game · ~15 min",
      "badge_class": "badge-interactive",
      "badge_text": "Game",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "game-debt-or-deal": {
      "slug": "game-debt-or-deal",
      "url": "/university/game-debt-or-deal.html",
      "title": "Debt or Deal? Settlement Offer Simulator",
      "description": "You're the negotiator. Accept, counter, or walk away from 6 simulated settlement offers across different creditor types. Learn the principles behind good negotiation decisions — and your score reveals how you did.",
      "icon": "🤝",
      "icon_class": null,
      "track": "phase-4",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Simulation Game · ~20 min",
      "badge_class": "badge-interactive",
      "badge_text": "Game",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "cancelled-debt-tax-estimator": {
      "slug": "cancelled-debt-tax-estimator",
      "url": "/university/cancelled-debt-tax-estimator.html",
      "title": "1099-C Cancelled Debt Tax Estimator",
      "description": "Received a 1099-C after debt settlement? This worksheet walks through the full IRS insolvency analysis (Form 982) — full exclusion, partial exclusion, and an illustrative tax estimate on any taxable portion. Educational — consult a CPA.",
      "icon": "🧾",
      "icon_class": null,
      "track": "phase-5",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-04",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "sue-debt-collector": {
      "slug": "sue-debt-collector",
      "url": "/university/sue-debt-collector.html",
      "title": "How to Sue a Debt Collector",
      "description": "FDCPA violations that create a private right of action, the statutory damages available, how to file in small claims vs. federal court, attorney referral resources, and the one-year statute of limitations.",
      "icon": "⚖️",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference Guide · ~15 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "judgment-lien-explained": {
      "slug": "judgment-lien-explained",
      "url": "/university/judgment-lien-explained.html",
      "title": "Judgment Lien on Property: What It Is and How to Remove It",
      "description": "A judgment lien attaches to your property the moment a creditor records their court judgment. It can block a home sale or refinance and survive for 10-20 years. Learn how judgment liens work and what you can do to remove them.",
      "icon": "🏠",
      "icon_class": "urgent",
      "track": "urgent",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference Guide · ~15 min",
      "badge_class": "badge-urgent",
      "badge_text": "Urgent",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "dmp-vs-debt-settlement": {
      "slug": "dmp-vs-debt-settlement",
      "url": "/university/dmp-vs-debt-settlement.html",
      "title": "Debt Management Plan vs Debt Settlement",
      "description": "Side-by-side comparison of DMPs (through nonprofit credit counseling) and debt settlement — fees, timeline, credit impact, creditor participation, and who each option actually fits.",
      "icon": "📊",
      "icon_class": null,
      "track": "phase-1",
      "type": "reading",
      "lessons": null,
      "minutes": 18,
      "meta_text": "Reference Guide · ~18 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "hardship-letter-template": {
      "slug": "hardship-letter-template",
      "url": "/university/hardship-letter-template.html",
      "title": "Hardship Letter Template & Guide",
      "description": "A well-written hardship letter can unlock interest rate reductions, payment deferrals, and settlement offers. Learn what to include, what to leave out, and use our template to write your own.",
      "icon": "📝",
      "icon_class": null,
      "track": "phase-2",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference Guide · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "subscription-audit-tool": {
      "slug": "subscription-audit-tool",
      "url": "/university/subscription-audit-tool.html",
      "title": "Subscription Audit Tool",
      "description": "List and total your recurring subscription charges, flag likely-forgotten ones, and see how much canceling even a few could redirect toward debt payoff. Runs entirely in your browser.",
      "icon": "📋",
      "icon_class": null,
      "track": "phase-2",
      "type": "interactive",
      "lessons": null,
      "minutes": null,
      "meta_text": "Interactive Tool",
      "badge_class": "badge-interactive",
      "badge_text": "Interactive",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
    },

    "cosigner-rights-default": {
      "slug": "cosigner-rights-default",
      "url": "/university/cosigner-rights-default.html",
      "title": "Co-Signer Rights When a Loan Defaults",
      "description": "What co-signers are actually liable for, how it differs from authorized-user status, what happens to both credit reports at default, and the limited options available to a co-signer when the primary borrower won't pay.",
      "icon": "👥",
      "icon_class": null,
      "track": "phase-3",
      "type": "reading",
      "lessons": null,
      "minutes": 15,
      "meta_text": "Reference Guide · ~15 min",
      "badge_class": "badge-free",
      "badge_text": "Free",
      "tag": null,
      "added_at": "2026-06-08",
      "updated_at": null,
      "has_quiz": false,
      "published": true
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