Regardless of age, income or financial background, debt has a way of sneaking up on you. And when that happens early in life, it's often difficult to see the light at the end of the tunnel. In what has to be one of the craziest calls radio personality Dave Ramsey has ever fielded, a woman from Washington, D.C., called into his show and said, "We have probably just under a million dollars in debt, and we want to know how to get debt free without filing bankruptcy." Don't Miss: The average America