The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. allows you to take control of your money with strategies best suited for your personal financial situation—whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!