MLK58 has quite a testimony. She got out from under something like $132k in debt. Her life changed and now she is debt free! She is one of my heroes. The actual proves the possible. You can do it too!Aw, shucks!But yes, my DH and I got out of $137,932 in unsecured debt, plus (I never really talked about this on the board because it was too embarassing) another $80,940 in 401(K) loans and a loan I took out to buy into my law partnership. That total was definitely more than our combined annual income, but we got out in 40 months.It was not easy, nor was it fun, but it was the best thing we've ever done and it feels GREAT to be on the other side!Here is my Happy Dance post: http://boards.fool.com/Message.asp?mid=18984128&sort=recommendationsAnd here are some earlier ones you might find helpful:http://boards.fool.com/Message.asp?mid=15238717&sort=recommendationshttp://boards.fool.com/Message.asp?mid=16603175&sort=usernamehttp://boards.fool.com/Message.asp?mid=16823312&sort=usernameIt CAN be done!