I would like to say that the information and stategies needed are not rocket science and can be gleaned from many fine books available on this topic. Phred mentioned one of the respected authors in the field and there are several others. Your local library would be a good place to find these books and start gathering your own information.

The hard part is for both you and Andy to make the commitment to a goal of becoming debt free and to set in motion the behavioral changes that are going to accomplish that goal.