re: Debt Debt Debt.

You don't want to deal with those companies. I've worked with others that have.

If its debt you got yourself into, your best bet is to constantly shop rates but concentrate on working and paying it off. Then try to put it out of your mind during your free time.

Put it on the calendar when you will pay it off, and plan a vacation with your family for that month.

There's no easy way out. Anyone that says they will lower your debt to no cost to you is a scam.