In response to the stories I’ve read on CNN Money – http://money.cnn.com/galleries/2008/news/0805/gallery.real_people_debt/index.html

Just say no to debt! You don’t need it. It’s not going to fix your problems and neither will a new president. You don’t win with money by buying things you can’t afford. You don’t win with money by borrowing it. To win with money (or at anything in life) requires a change in your habits: refuse to borrow another dime, develop a written budget and stick to it and quit buying things you can’t afford!

YOU are the answer to your problems, which is a good thing because you can’t change the government but YOU can change YOU.