According to a recent survey, 8 in 10 Americans carry significant debt. Credit cards, mortgages, car loans, student loans - we are a society steeped in debt. But many of us never expected to be carrying the debt load we're carrying. We feel like we suddenly looked up and we owe thousands of dollars to creditors, and we never saw it coming. How do I get myself free from this overwhelming burden? And if I get free from it, is there a way to keep myself from ending up here again?