Just watch the documentary "Maxed Out"!
It is available for free online, and that is where I just finished watching it:
I had read the book last year, but the film was even more potent. If I had any doubts whatsoever that getting out of debt was the right thing to do (especially credit cards), then this definitely pulled me back to reality.
I twas a little heavy on the anti-republican, pro-democrat agenda there toward the end, but not so much to make me stop watching or doubt the underlying truths the film is exposing. It is a crying shame that people/corporations can not treat each other better as one human being to another.