To make a long story short, my wife and I returned to school to improve or income. In November 2010 we were about 50,000 in debt making about 37,000. Were now both done with school making over 85,000. We just paid our last school loan bill yesterday. I still don’t believe it. I’m so use to applying the debt snowball to the next debt. Were almost done with step 3. We are now looking forward to tackling steps 4, 5, and 6. We will never look back at that curse called debt. We will pass on a legacy and blessing to our child. Thank you Dave for all you do. And good luck to those of you out there who are scratching and crawling out of the abyss, you will do it. God bless.