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Hang on, a cheat sheet to not paying your student loans? Didn't you (we!) sign up for those loans and agree to pay them? Aren't they our responsibility? This feels like a complete cop-out. The "secret" to getting out of debt is hard work and living on a budget. This is gross.

see: http://www.daveramsey.com/show/home/?snid=show

Hi Aaron, you're right - clarification is necessary here. This is not a resource for ducking financial responsibility, but rather for capitalizing on existing assistance programs. Many people are not aware that their job, community service efforts, or income level (just a few examples) qualifies them for much needed aid. The same way we should be educated on tax deductions, I believe everyone should understand their options for easing the burden of student loan debt.

Big Dave Ramsey fan, thanks for the comment!