The first step I have taken is: I went to the library and picked up a few books on eliminating debt. I checked out a book called "The Total Money Makeover" by David Ramsey. I have heard a lot of recommendations for this book. Even as I checked the book out, the lady at the counter was telling me how much she loved this book. She stated that it was so easy to read and follow, plus gave great advice. So tonight I plan to start reading this book.