She filed for divorce, got her own place, and resumed her graduate studies in psychology thanks to student loans, a day job working for a neuropsychologist, and a night job at a club. Services & Specialties. Find Providers by Specialty . I could feel a pulsating in my ears. He became obsessed with staying fit, buying multiple copies ofThe South Beach Diet. A few weeks later, when Mark suggested traveling with friends to Greece to celebrate Michelle's 30th birthday, she had renewed hope: Perhaps this trip was just what they needed to reconnect. 910 W Huron St. Chicago, IL, 60642. She received a Bachelor of Science degree in Health Science in 2009 from Marywood University. I thought maybe he had met someone else. Psychologist - Sub-Specialty: Clinical; Accepts New Patients: Yes. Specializes in parenting issues with adolescents and children. Rozlind X. Kramer, PhD, LP is a psychologist who practices at Rozlind X. Kramer, PhD, LP Practice located at 3265 19th St NW in Suite 350 in Rochester, MN 55901 (Olmsted County). 400 North Ingalls Building. "He wasn't a lousy doctor," she says. Dr. Michelle Braun is passionate about empowering individuals to boost brain health and reduce the risk of Alzheimer's through the use of science-backed, motivational strategies. Specializes in integrating psychology and Christian faith, DBT, trauma/PTSD, abuse (physical/emotional/sexual), anxiety disorders, spiritual issues, premarital counseling, emotional regulation (e.g. Are you Dr. Michelle Kramer, Psy D? She and Mark were at a club in Chicago, she says, both with friends. Violence & Victims. Trained in EMDR and Gottman Levels 1 and 2 couples therapy. "He got up at 4 a.m., had coffee and a powdered doughnut, went to work. Adapting a sexual violence primary prevention program to Ghana utilizing the ADAPT-ITT framework. View More about Alisha Lee, PhD. Ann Arbor, MI 48109-5482. The couple muddled through, reigniting their romance with a second wedding ceremony in Ravello, Italy, in the spring of 2002, on a cliff overlooking the sea. She received her master's degree from Gannon University and her undergraduate degree from the University of Central Florida. Licensed Clinical Psychologist . Katie has over 10 years of psychiatric experience in both the inpatient and outpatient settings. Munro-Kramer, M. L., Scott, N., Boyd, C. J., Veliz, P. T., Murray, S. M., Musonda, G., & Lori, J. R. (2018). Fellowships, Post-doctoral Positions, and Job Opportunities Related to Injury Prevention, Intimate Partner Violence and Dating Violence Practical Training for Health Providers, Injury Prevention Massive Open Online Course, http://nursing.umich.edu/faculty-staff/faculty/michelle-l-munro-kramer, https://online.umich.edu/courses/intimate-partner-violence-ipv/. She is also a Licensed Clinical Psychologist in the State of Illinois. Journal of Interpersonal Violence. NBC's 'Dateline: A Wanted Man' is an episode that examines the tale of Dr. Mark Weinberger, a successful sinus surgeon who had vanished during a family vacation in Greece, leaving his wife, Michelle Kramer, in a debt that amounted to nearly $6 million.Accused and convicted of billing patients for numerous seemingly useless procedures, this doctor's story is one of twisted greed and . However, a copy will be sent to you for your records. Apart from his core practice in Neuropsychiatry, Dr. Ahmed has a special interest in complementary and alternative treatments in psychiatry and neurology. After residency he spent one year treating patients with severe mental illness in an Assertive Community Treatment program in Swarthmore, PA. Dr. Ahmed then joined Johns Hopkins School of Medicine where he completed fellowship in Neuropsychiatry and Behavioral Neurology. He needs me. We can help match your interests with activities that make a difference. Specializes with survivors of sexual and physical abuse diagnosed with PTSD, complex trauma, and attachment injuries. "I had to dosomething. Around this time, Mark opened his own clinic in Merrillville, and his business took off. (Hundreds of malpractice suits are still pending.) "Still, part of me thought, Maybe the person I fell in love with will come back to me. Then he asked if she could sever all ties to her friends and family. 25. 8 reviews. Powered by WordPress.com VIP. She urged him to get help; he dismissed her concerns. Kathrynne Skonicki Michelle continued her studies, while doing fieldwork in a medical center for war veterans. I just wanted him to explain.". +84 28 0938849971. Heres how it works. Dr. This site is published by Johnson & Johnson Services, Inc., which is solely responsible for its contents. Certification in bereavement. "I looked into that ring and saw my whole future reflected," Michelle recalls. Home Faculty and Staff Directory All Faculty Michelle L. Munro-Kramer. On that trip, the two "laughed the whole flight, till people thought we were crazy," Michelle says. Dr. Michelle Maciel is PSYD in Clinical Psychology and her NPI number (Unique professional ID assigned by NPPES) is 1821292111. Please confirm state in which patient is located. Good morning Dr. Lorrain, I agree this question has very poor . Facebook gives people the power. Yet, the supposed joyous occasion ended in gloom and despair when Michelle awoke on their first morning there to find her husband gone. She promptly flew to France. The next day, he was gone. Jack, S. M., MunroKramer, M. L., Williams, J. R., Schminkey, D., Tomlinson, E., Jennings MayoWilson, L., & Campbell, J. C. (2021). . 1999-2022 Cincinnati Children's Hospital Medical Center. Liked by Michelle Kramer, PhD Engineering Psychologist Dr. Kristopher Korbelak, Requirements and Capabilities Analysis, spoke at the Advanced Development for Security Applications I didn't know if I was happy or sad.". She is affiliated with medical facilities such as AMITA Health Saint Joseph Hospital Elgin and Northwestern Medicine Central DuPage Hospital. & Applic. Tel: (312) 504-4428. View More about Jennifer Wilcox, PsyD. She is also committed to educating practicing clinicians about gender-based violence. Then she grilled the yacht's captain, who simply grinned and urged her not to worry. Dr. Cannon, L. M., Bailey, J. M., Ernst, S. D., St Ivany, A., Bevilacqua, K. G., Scheiman, L., & Munro-Kramer, M. L. (2019). The provider you were viewing may not be available to care for the type of visit you chose. Johnson & Johnson Nurse Innovation Fellowship Presentation: Michelle Munro-Kramer, PhD, CNM, FNP-BC. She moved in to Mark's place quickly, she says. Things were about to get weirder. "My life has come full circle," she says. PATIENT; DOCTOR; Sign Up. Michelle sits at a fireside bar in the lobby of her Baltimore apartment building, a former tin factory converted into trendy waterfront dwellings. Kallee graduated from the University of South Florida in 2018 with a Doctorate of Nursing Practice. 815-836-5291 Michelle K. Kramer Clinic Baltimore . Call Us to Schedule 513-636-8107. She has experience with long -acting antipsychotic prescriptions, Co- occurring conditions, and is TMS certified. Dr. Luke Seltzers clients come from many walks of life, but have one thing in common - they would like to improve their overall quality of life. In collaboration with a group of interdisciplinary colleagues from the University of Michigan and University of Maryland, she helped create a massive open online course (MOOC), Intimate Partner Violence (IPV): Interprofessional Strategies for Prevention and Response. Her search for him turned up shredded documents, survivalist gear, and $6 mil To ensure this therapist can respond to you please make sure your email address is correct. A simple blunder had led to his capture: He'd fallen behind on the rent for his apartment, and the landlord had gone to the police. Dr. Michael Eric Kramer, PHD has not yet indicated the hospitals that he is affiliated with. Department of Applied Psychology, Faculty. Michele Mattie is PHD in General Psychology and her NPI number (Unique professional ID assigned by NPPES) is 1285665075. Iriselis (Selly) Cruzado - PA-C Brandon Location. She had no bank account; she never saw the bills. Journal of Human Trafficking, 1-14. doi:10.1080/23322705.209.1574476. including Medicaid. A retrospective analysis of Sexual Assault Nurse Examiner (SANE) records from sexual assault survivors at a large university emergency department from 2003-2017. "I had nothing of my own," she says. Kallee Humerickhouse, DNP, APRN, FNP-C,PMHNP. Suite 205 In November 2001, she hopped into a horse-drawn carriage and married Mark at the Chicago Botanic Garden. She had held on to the hope that she and her husband could still reconnect, but when their anniversary passed, and she still heard no word from him, she filed for divorce. References Kramer S W Jenkins J L 2006 Understanding the basics of CPM. I was more than a formidable foe. . Her research projects approach these topics using a trauma-informed and patient-centered lens. He had disappeared, apparently on purpose. Specializes in life transitions, caregiver burnout, and grief and loss. Rachel Kramer, PhD Karen Kraus, MD . Board Certified Psych. Upon hearing about Mark, she says, "My throat went dry. Soon after, she received a call from the private-jet company she and Mark had used to fly to Greece. What he offers in therapy draws from a mix of theoretical and evidence-based practice backgrounds. Treats patients with psychotherapy, medications, or a combination of both. Mental Health DNP, CEO/Clinician, POB Psychiatry, Creator, TRAUMA SHIELD, My Healing Narratives, TEDxTalk Speaker, Bestselling Author, Mental Health Media Analyst - featured on: CBS, NBC, FOX, ABC, Good Morning Arizona. Robert Krikorian, PhD Professor-Emeritus. "I'm not even sure how it started," Michelle says. "He liked that we had nerdy scientific books in common," she says. His plan was to write a survivalist handbook; hence, the tent. Dr. Almquist was born and raised in Charlotte, NC and graduated from Duke University with a Bachelor of Arts in Psychology. As part of the University of Michigan Human Trafficking Collaborative, she also co-developed a continuing education module on human trafficking for healthcare providers, Addressing Human Trafficking in Healthcare Settings. You may want to provide a little background information about why you're reaching out, raise any insurance or scheduling needs, and say how you'd like to be contacted. Check out our resources. . "He said all the right things, but there was an emptiness," she says now. About. Michele Kramer, APRN is a Nurse Practitioner. 1. Meanwhile, the malpractice suits against Mark were snowballing. Journal of Forensic Nursing, 17(2), 93-97. doi:10.1097/JFN.0000000000000326. Michelle couldn't believe it: All along, Mark had been plotting a secret life without her. Michelle Munro-Kramer is accepting new PhD students. Phone: 425.877.3484, 2310 130th Ave NE, B-101 General Inquiries / Referrals Michelle Kramer has now moved on from her tangled past with Mark Weinberger. Fax: 425.298.0457, 1700 NW Gilman Blvd. Her goal: Get a Ph.D. in psychology. Mark, now facing several malpractice suits, was getting paranoid. A., Compton, S. D., Odoi, A., Darteh, E. K., & Munro-Kramer, M. L. (2020). Title: Associate Professor, Nursing. Trained in EMDR. Patients can reach her at 310-993-2898. (815) 836-5711 office Ton during this period. "I'm not gonna let him destroy me.". Therefore, to celebrate Michelles upcoming 30th birthday with a new and fresh start, Mark decided that they needed to take a luxurious vacation on their yacht to the Greek islands. Dr. Maxim Kramer, PhD, Psychologist, Visalia, CA, 93277, (201) 977-2656, "The right way to wholeness is made up of fateful detours and wrong turnings" (Carl Jung). One night, when we were flying into Chicago on a private jet, I looked down and saw all the little blue-collar homes where I grew up. (Oddly, Mark had used his real name when renting the apartment.) Sending an email using this page does not guarantee that the recipient will receive, read or respond to your email. When Michelle first started in the Fellowship program, she was working on research and accessibility for her MKit app. Read more to learn about Michele Kramer, APRN's background, education, and other specialties. She credits her down-to-earth parents for that her hardworking father who juggled three jobs. 0. When you purchase through links on our site, we may earn an affiliate commission. But I had come from the land of unions. Certified EMDR practitioner (BC School of Professional Psychology) Send this email to request a video session with this therapist. In October she wrote to the judge, expressing her opinion. But I wanted answers. "You were the last one to see him?" Arthur F. Kramer is an academic, research scientist, and administrator in cognitive and brain health. He wants me to fly to Paris and meet him," she says. The accusation caused him to bawl. On that night, she made a resolution: She would solve the mystery of her husband's stunning vanishing act. When luxury-loving Dr. Mark Weinberger vanished, in 2004, he left in his wake a wife saddled with more than $6 million in debts, a father headed for bankruptcy, and hundreds of . Accessing healthcare services during the COVID-19 pandemic: The plight of sexual assault survivors. Calling Dr. Mark Weinberger a narcissist, she has stated that It makes me sick to think of how he funded our lifestyle. Allergy Follow Up; Cardiology Consultation ; Illness; OB-GYN Consultation; Feminist praxis: The Michigan Meeting on Ending Gender-Based Violence. To her surprise, Mark answered, and sounded "all happy," she says. Works with adolescents, adults, couples, and families. As part of the inaugural Johnson & Johnson Nurse Innovation Fellowship, she is interested in leveraging nurses creativity to develop innovative solutions to complex health and human rights issues such as intimate partner violence, sexual violence, and human trafficking. View Phone # Call Now. Medicine and music are her two biggest passions in life. I was sobbing, but there were no tears. On a trip to Greece for Michelle Kramer's birthday, her husband, a succesful doctor who lavished her with gifts, vanished. Michelle's clinical background includes certifications as a Family Nurse Practitioner and Certified Nurse Midwife, which she currently uses to provide reproductive and sexual health in community settings. In fact, when Mark asked Michelle if she would be willing to relocate from Chicago to Europe for a simpler life, she simply agreed, not realizing that her husband was completely serious. Fax: 425.298.0457, 2310 130th Ave NE, B-101, Bellevue, WA 98005 Psychiatry and Psychology. The ordeal sent her reeling, especially since Mark seemed incapable of consoling her. Pastoral Center Staff Therefore, it was not surprising that they owned a private jet, an 80-foot yacht, a five-story townhouse, and took many trips around the world with ridiculously expensive shopping sprees. His goal is to work collaboratively with individuals to improve their current level of functioning. He has provided community based parenting groups and is a trained Incredible Years facilitator. Mark, in the meantime, was growing increasingly eccentric about his needs. She specializes in couples therapy, working with couples to understand and identify relational issues, establish healthy communication patterns, and deepen connections and vulnerabilities. Director of Global Programs. "I thought we were soul mates," he said. Still, she held onto an improbable notion that she and Mark would reconnect, perhaps on the date of their wedding anniversary in November. She is currently working on evaluating this app within different types of college and university settings. Michelle did not find Mark in Cannes; instead, she went back home, deciding to take the next year off from school to "put out fires." Choi, C. M., Munro-Kramer, M. L., Cannon, L. M., Owusu-Antwi, R., Akorsu, A. D., & Rominski, S. D. (2020). Bilingual English and Vietnamese. anger), depression, shame and cultural and/or inter-generational issues. Munro-Kramer, M. L., Dulin, A., & Gaither, C. (2017). She will continue to expand her program through annual hackathons, larger student cohorts and global missions, and she will carry the values of the Fellowship along with her each step of the way. Understanding stalking among university students in Ghana: A descriptive study. He'll be back before sundown.". Relentlessly in pursuit of more medical . He was now facing more than 300 malpractice suits in the States. Integrates nutrition and self-care. For insurance coverage, Dr. Hyman accepts Medicare**. Specializes in providing a warm and empathetic atmosphere tailored to the clients specific needs while assisting positive change and growth. Please be Journal of American College Health, 65(5), 297-305. doi:10.1080/07448481.2017.1312409. In his plea deal with the prosecutor, he agreed to serve four years in jail for fraud. He specializes in addressing disruptive behavior and relational distress. Her husband didn't return from any jog on that fateful September morning in 2004. B-101 I sat down on a stoop at a construction site. A favorite activity: dressing up for him as a sexy librarian. Please select the state in which the patient is a resident. She provides patients with medication management services and specializes in adult and adolescent psychiatric and mental health concerns. Room 3188 400NIB. She is the Lead Faculty member for a Massive Open Online Course (MOOC) on Interprofessional Responses to Intimate Partner Violence in Healthcare Settings funded by the University of Michigan Center for Academic Innovation. Dr. Kramer is a seasoned psychologist who has worked with Downtown Mind Wellness since it first opened in 2013. Dr. Michelle Munro-Kramer is an Assistant Professor of Nursing and the Suzanne Bellinger Feetham Professor of Nursing at the University of Michigan, School of Nursing. Mark was pulling away. You were a nurse. Specializes in empowering patients to take control of their lives no matter what mental condition they are suffering from. they asked. Maybe he was in France. She is the Lead Faculty member for a Massive Open Online Course (MOOC) on Interprofessional Responses to Intimate Partner Violence . In the months leading up to Marks disappearance in September 2004, his wife learned that he had more than 300 malpractice lawsuits against him accusing him of using false diagnosis and scare tactics to make his patients undergo needless surgeries. In the honor guard, funeral ceremonies are conducted in honor of veterans and their families. They bought an 80-foot yacht in Europe; they shopped at Versace and Dior. The Center for Michelle felt lost. As a team, this diversity makes us better prepared to care for your childs unique needs. He was being accused of the worst kind of crime imaginable for a doctor: performing bogus surgeries on his sinus patients. A new start. Welcome to the Lewis University Expert Guide and blog. Psychology Today does not read or retain your email. Dr. Ahmed is board-certified in Psychiatry through the American Board of Psychiatry and Neurology and also board-certified in Neuropsychiatry and Behavioral Neurology through the United Council for Neurologic Subspecialties. Munro-Kramer, M. L., Beck, D. C., Choi, K. R., Singer, R., Gebhard, A., & Carr, B. Dr. Michelle Channing is a licensed clinical psychologist in Weston, Florida, adjunct professor at Florida International University, and business founder and owner of I n P sych C onsultants, P.A. We are called to thrive. Michele married Raymond Kramer in 1979. His career started 17 years ago where he earned his bachelors in science degree in Molecular and Microbiology while working at a local hospital. BSN, Nursing, University of Maryland. She received a Master of Science degree in Physician Assistant Studies in 2010 from Marywood University after completing the five-year accelerated program. View Rsum/CV. On that day, she thought, he would somehow contact her. PhD 2009, Emory University Courses Taught. St. Petersburg Location. Michelle thought Mark was her best friend, and she was ready to follow him anywhere. 1. She then canvassed the clubs and cafs the couple had once loved, desperately showing people her husband's picture. 1 review # 35 of 457 Psychologists in Baltimore, Maryland. ------ Suzanne Bellinger Feetham Professor of Nursing. Ton was born in Chicago, Illinois, but his education was acquired from coast to coast. The first few months of marriage, however, were less than rosy. She then received her post-graduate Psychiatric Mental Health Nurse practitioner certification from the University of Cincinnati. Your ultimate guide to the (arguably) best film genre: the romantic comedy. Search . She said to him softly, "Mark." "I decided I wanted to be a doctor, too. However, she ended up shifting her project to focus more on the university students she works with regularly to begin to cultivate an innovative mindset while they are still studying. doi:10.1177/08862605211001485. With that said, though, if youre curious to know more about his then-wife and where she is today, weve got the details for you. She brings experience from primary care, chronic pain and addiction. Chicago native Michelle Kramer discusses her ex-husband, Mark Weinberger, a former Indiana surgeon who pleaded guilty to insurance fraud, on an episode of "Dateline" airing May 14, 2021. She is also working on adapting and piloting a primary prevention sexual violence intervention to the University of Cape Coast in Ghana. On a trip to Greece for Michelle Kramer's birthday, her husband, a succesful doctor who lavished her with gifts, vanished. Michelle Kramer says doctor's 'cowardice' has hurt many people. University of Michigan School of Nursing. Overview Insurance Ratings. She felt no desire to talk to her former husband. Profile Find a doctor - doctor reviews and ratings . Designed and developed by Knock - Marketing and Design, Designed and developed by Knock - Marketing and Design, Ph.D., Clinical Psychology, The University of Montana (2015), M.A., Clinical Psychology, The University of Montana (2012), M.A.T., Teaching/Education, Brown University (2002), B.A., Psychology, Lewis & Clark College (2001), Licensed Psychologist, Private Practice, Bellevue WA (2016-Present), Psychologist, State of Washington, License #PY60715493, Psychologist, State of Oregon, License #2786, Association for Psychological Science (APS). On television, Michelle first appeared in the show Another World, where she portrayed Dana Kramer. Specializes in anxiety or fears, depressions, family issues, relationship issues, loss/grief, negative spiritual experiences or beliefs, and partners/ children of addicts. She would follow him anywhere. The Runaway Doctor. Brown earned a PhD in psychology from Wayne State University in 1977. She's gearing up for the week ahead, when she'll counsel patients with injuries ranging from spinal-cord trauma to brain damage to amputated limbs. . He trained as a psychiatric resident in Florida through USFs Morsani College of Medicine affiliated hospitals and pursued further education for treatment of psychiatric patients during the peripartum period (of psychiatric disorders period before, during and after pregnancy. Click image or button bellow to READ or DOWNLOAD FREE Jardine Matheson: Traders of the Far East Book Information : Title : Jardin. In 2004, Michelle Kramer, who had been studying at the Chicago School of Professional Psychology while working in a center for veterans, was utterly distraught. The night before Mark Weinberger went missing, he slipped into bed with his wife, Michelle, and gently turned to her. Find Providers by Procedure Find Providers by Condition. That wasn't something that happened in my neighborhood. For this reason, physicians in the community including from Tampa General Hospital (TGH) often refers this subspecific patient population to Dr. Having completed her Ph.D., Dr. Michelle Kramer has not seen or spoken to her former husband since the day he disappeared, admitting that she still cant comprehend how she married a monster without even realizing it. She lives a more normal life now: She works marathon days at a hospital; she worries about her mom; she tries to go on one date a week. "He worked hard he wanted to achieve the American dream," Michelle says. Phone: 617-373-2333. (@therealmichellekramer) Contact: (626) 514-1047. . Lisa West-Smith, PhD, LISW-S Adjunct Associate Professor. Read More: Where Are Dr. Mark Weinbergers Parents Now? Still, she rationalized his behavior away, telling herself he was just a typical self-centered guy. Payment Options Payment Details (888) 666-8135 . Links on this site may take you to a website where our Privacy Policy does not apply. ", Michelle remembers Mark looking "very New York" in his black satin shirt that night at the club, back in 2000. Dr. Michele Slogoff, MD is a General Surgery Specialist in Elgin, IL and has over 27 years of experience in the medical field. Maybe they could recapture the magic. She continued digging. Cleveland Clinic Main Campus. In Paris, Michelle raced to the hotel mentioned in the shredded papers. National Institutes of Justice, Evaluating a Web-Based Crisis Hotline for Sexual Assault Victims: Reducing Barriers, Increasing Help-Seeking, and Improving the Help-Seeking Experience, Consultant, 2019-2021. In a crazy situation, she said, you can either retreat and give up, or act crazy to survive.. Cognitive Behavioral (CBT) Therapists in Visalia, CA, Cognitive Processing (CPT) Therapists in Visalia, CA, Trauma and PTSD Therapists in Visalia, CA. Her search for him turned up shredded documents, survivalist gear, and $6 million in debt. It was a funny little routine the two had shared throughout their three-year marriage the ring click, the phrase. Department of Health Behavior and Biological Sciences. Prior to her advance degree she worked in the ICU setting. He is a member of the American Psychiatric Associations and is registered with the American Board of Psychiatry & Neurology. A safe had been installed in every room. Sexuality & Culture, 21(2), 516-533. doi:10.1007/s12119-016-9402-x. Kramer in 2019. People were always suing doctors, she thought especially surgeons who flaunted their wealth, as Mark liked to do. Female. A., Darteh, E., Britwum, A. O. 2023 Cinemaholic Inc. All rights reserved. Menu "I never lost myself, even when I had all that stuff," she explains. However, once Michelle learned the realities of his actions, she decided to find him only to bring him to justice. Michelle is a clinical psychologist and owner of Mindright Clinical Psychologists at Bondi Junction and Lane Cove. I think part of the struggle is that we. Dec 19, 2009 Updated Feb 4, 2016. 98/5 street 17, Linh Trung ward, distric Th c. Also conducts psychological testing evaluations for cognitive (LD, ADHD) and personality concerns. She then worked in clinical research for a year with the Genitourinary Oncology group at the Duke Cancer Institute. Provides treatment for general psychiatric conditions and addictive disorders. Dr. Michelle London, PhD, is a Psychology specialist practicing in Chicago, IL. "My mom was there, cheering me on. This site is intended for U.S. residents only. The couple began fighting frequently, with Michelle saying in one emotional outburst that she had lost the baby because of Mark. International Journal for Equity in Health,19(1), 1-11. doi:10.1186/s12939-020-1154-4. Dr. Michele Creamer is a dual board certified, DNP-prepared Family Nurse Practitioner (FNP) and Psychiatric Mental Health Nurse Practitioner (PMHNP). NBCs Dateline: A Wanted Man is an episode that examines the tale of Dr. Mark Weinberger, a successful sinus surgeon who had vanished during a family vacation in Greece, leaving his wife, Michelle Kramer, in a debt that amounted to nearly $6 million. Choi, K. R., Beck, D. C., Khan, M. A., Bell, S. A., Beza, L., & Munro-Kramer, M. L. (2020).