Personal debt is like a ball and chain around the ankle. It drains you financially, mentally, and emotionally. With some good advice however, you can knock down your debt and begin to see the light at the end of the tunnel.
I remember walking by a table in the student union of my college which offered free T-shirts and coupons if I simply signed up for a Gulf Credit Card. It was a no brainer! Not on my part, but on the part of the predatory credit companies that targeted most of us into the 'charge it' frame of mind.