Check out "The Total Money Makeover" or read stories of success in achieving Debt Freedom on http://www.daveramsey.com. I believe that having a plan while reading other individuals' successes while in similar situations can offer you the hope and the motivation you also need to succeed. Quite frankly, I have been in a similar boat and have worked hard to climb my way out. In a few months, I will be sending off my last payment and its a great feeling! You will get there too...