Because of the escalation of the average American’s debt level, people (possibly you) need tools to help control the debt they currently have and possibly eliminate it altogether. Here are some possible tools, tips, and programs for you to choose from. I will be posting more every once in a while, but these are the main ones. If you are on here and are having problems with the amount of debt you have, please remember that no matter the amount, things can change. A light is always at the end of the tunnel you just have to see it through to the end. Do not be scared to talk about your situation with your friends and family and also to ask for advice. One of the greatest days of my life is when I realized that I did not know as much as I acted like I did, and began asking for help. The most important thing to remember is that ABOVE ALL ELSE: DO NOT GIVE UP HOPE. With a little elbow grease and a little help you will triumph and become debt free.