If you have never heard of Dave Ramsey, I truly recommend you look him up. He is a talk radio host that has built a multi-million dollar business based off of teaching others how to live financially responsible lives. He believes in getting out of debt ASAP, staying out of debt by not using credit cards and never borrowing money again, and living below your means so you will be rich and able to help others and give away tons of money later in life. His motto goes: "live like no one else today, so you can live like no one else tomorrow." I have read his book ,"Total Money Makeover", and enjoy listening to his show. If you are in debt and want to get out, Dave will have advice to help you out. He is on the radio everyday from 11am to 2pm on Talk Radio 710 out of Kansas City. Check him out. Let me know what you think.