I just wanted to let you know that when I watched your interview with baker @ man vs debt at the beginning of April, I had just been told by Sallie Mae that I needed a co-signer in order to get a loan to go back to school – even though I’m 26 and had a solid credit score of 716 and I’ve worked for the same company for 6 and a half years. I watched the interview and checked out the equifax debt wise tool, which I’ve been using ever since. The tool REALLY puts things in perspective and I was able to make some adjustments and pay off ALL of my credit cards leaving just the previous student loan debt and car loan debt. I am happy to say that today’s (may 17 – just one month after beginning to use debt wise) updated score is 764!!!! And thats not even including the $1000 I paid down on my car loan and the balance increase I got on one of my cards tilting the debt to credit ratio even further in my favor! Equifax now rates me as having EXCELLENT credit and only a 4% risk for loan default – greatly improving my chances of getting a loan to go back to school next fall (premed!) Thank you so much for posting the interview, it has made such a difference for me!