<![CDATA[<body>Plus, on top of all that, you'll get several "success stories" from people who have managed to get their debt paid off and are now living debt free (and stress free as well! One of the biggest problems with credit cards and other high-interest credit is that making the minimum payments guarantees that you'll be paying them off for a long, long time I can't guarantee exactly how long it's going to take you to get all your debt paid off (that's up to you, your unique situation and the effort you put in) but I can guarantee that you will learn how to improve your financial picture or you'll get your money bac You see, money may be able to buy things but if you don't have the money that doesn't mean you should go out and put it on credi How refinancing your home can not only help you consolidate debt, but could even put money in your pocket for home improvements that would make your home even more valuable (page 18) It took me almost 10 years to come to my senses and realize that buying things that I can't afford to pay cash for was the reason I was always stressed out about my deb Why a home equity loan may not be your best option (page 16) When I finally realized what I was doing wrong, I managed to stop the cycle (and believe me, it wasn't easy!) but I was still faced with a big problem - how to pay off all that debt By the time I quit university (after two years) I had several thousand dollars of debt on my credit cards, which were charging around 18% interest on averag How a credit counseling service can help you avoid bankruptcy (page 24) <a href="http://www.digitalproductsreview.net/go.php?v=debtsmack" rel="nofollow">How Debt Consolidation Can Help Get Rid Of The Stress From Debt</a></body>]]>