Debt. Don't let it ruin your life. Even if you feel like you're swimming in student loans or can't get ahead of what you owe to credit card companies, we've got some advice on what to do when you've got a mountain of debt.  One tip: as much as you'd like to, don't hang up when a bill collector calls.  And don't take your personal relationships for granted when money enters the mix. Debt doesn't have to destroy your ties with friends or family. Plus, a special report on why struggling military families opt to do business with risky payday lenders over low-interest government loans.