Personally, I believe the ONLY long term debt help solution is to increase your financial education. When it comes to getting yourself debt help, your greatest asset is time. The greatest investment you can make is to invest your time into increasing your financial education.
When it comes to money, wherever you stop learning, you stop earning. See, it does not take money to make money...it takes knowledge and experience to make money. The more knowledge and experience you have, the less money and risk are involved.
Most people are discouraged from taking control of their financial situation because they believe it is too complicated for them to handle. Nothing could be further from the truth! This is a perception encouraged within society to help keep you in your place. The first step is to believe you can do it.
The next big spot where many people fail...they do not find the right information soon enough. This becomes another group of people who end up discouraged. In our schools today, you will learn reading, writing, math, and science, but you will never be given a financial education. You might get a lesson on how to balance a checkbook, or how supply and demand work, but you will never be given the right information...the simple lessons that could change your financial position for the rest of your life.