I would encourage you to check out Dave Ramsey - radio, books, podcast, what ever you can, and take the advice to heart. He breaks things down into simple steps and will really set you up for life if you stick to it. I am living proof - from over $40K of debt 3 years ago to all the way through step 5 of the Dave plan.

Search the forums here - I know he has been mentioned before....or check out his web site - www.daveramsey.com