I'm all for any ideas that can help America get out of debt. It's also great to see someone step in and fill in the hole that MS Money left (it had a fantastic debt wizard/planner, I was sad when MS announced they are killing it, despite how buggy the app always was).

I do wonder if this site can really reach the market it's after. In my anecdotal experience, the people that are in massive debt don't really have the discipline or organization to get out of it, even with a great tool to help them. If they did, they probably wouldn't be in as much debt to begin with.