Ex-NFL Star Jamal Lewis -- I'm a Debt School Graduate

Congrats to retired NFL star Jamal Lewis for passing the most important test of his life -- an online financial management course -- in an effort to convince a U.S. Bankruptcy court he's a changed man.

We broke the story ... the former Baltimore Ravens running back -- who once racked up more than 2,000 yards in a single season -- filed for bankruptcy back in 2012 after racking up more than $10 MILLION in debts!!

But now, TMZ Sports has learned ... Lewis enrolled in the illustrious "Dave Ramsey Education Course" and completed an online class on February 12th ... bringing hm one step closer to financial recovery.