Has anyone ever taken Dave Ramsey's Financial Freedom class? It is part of his Financial Peace program. I started it last year and only made it halfway through. I highly recommend everyone try it at least once- and yes there are tons of people who have done it several times. I have heard several couples who have finished the program and have been able to pay off astonishing amounts.
I have incorporated what I did learn into my own life. Last year I was able to pay off over $1500 in debt using his techniques, especially the "snowball" payoff. In the next year, my goal is to pay off the rest of my small debt (a little over $2100) and then start on my student loans after I graduate in December 2015. If anyone is interested the website is listed below!
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