From: Ryan H, Lexington, KY

I recently started a membership with your program.  My credit card debt is not completely out of control, about $9,500, but I haven't made any headway in a couple years to reduce it.  I have only gone through half of the lessons so far.  The Spend Smart offered lots of ideas, some pretty obvious, but I realized that I wasn't really making the effort needed to control my spending.  I have already found ways to save about $150 a month and when I plugged that into the credit card calculator I found I can pay off my credit cards in just over 2 years instead of 16 years and save almost $6,000 in interest.

From: Elizabeth S,  Shreveport, LA

I had gone through debt consolidation once before.  It seemed like I got out of debt sooner than I thought but the monthly fees I paid ended up to be more than I expected and I found myself going back in the hole again over the last year.  After learning the Spend Smart and Invest in Your Debt systems I learned a number of methods I have included in my financial plan. They didn't offer me this kind of guidance when I did the debt consolidation. Your organization is truly professional. I feel I have the means to stay out of debt this time once I reach my goal.

From: Nate L, Wichita, KS

I wish I had found your website years ago.  I have been out of college for a year and have pretty large debts from my student loans and the credit card totals I racked up in school.  I also found out my credit score was below average.

I couldn't really figure out how to get out of debt until I started managing my debt using the great resources your site provides.  I am happy to say that now I am much more comfortable with managing my debt and am finally on the road to financial freedom. I plan to be out of debt a full 5-6 years sooner than I ever thought I could.

From: Bill B, Merrillville, IN

Overall I have learned plenty to retire my debts about 9-10 years sooner than the bank would have me do on their mortgage plan and I can't thank you enough.  Retiring at a much earlier age is something I can realistically dream about now.   

From:  Cynthia H, Kalamazoo, MI

I must say that you have succeeded in creating a debt management website that is very useful.  I have found it very easy to manage and create a debt elimination plan.  Your system is the best I have ever seen.  Thank you for all the hard work you have put into this.  It has been extremely useful for me.