Heather from Oregon sounds like a born-again woman, financially speaking. “I finally got everything paid. . . . No more credit cards, no more student loan!“ She thanks radio personality and anticredit crusader Dave Ramsey for freeing her from her bondage to consumer debt.She's not the only Ramsey fan. The tough-talking, quick-witted evangelical radio personality from Nashville has an audience of millions that includes both religious and secular listeners.