I came across this nice informative piece in the Federal Trade Commission website. It gives solid advice on how to lower debt and how to deal with a burgeoning debt. http://www.ftc.gov/bcp/edu/pubs/consume ... cre19.shtm I found some of the information very useful and I hope that others may do too. I know that there are many sites with articles on debt reduction and most tell you the same thing because it is mostly common sense. I think, however, that sometimes it is helpful to re-read the points as it reaffirms them when it is difficult to know how to take the first step.