This is the 4th copy of this title I've purchased if that gives a sense for how helpful this book can be. I'm concerned that it appears to be getting harder to find copies of this excellent resource! As the title suggests, it is targeted at the 20-something generation coming out of school with loans and credit card debt. It is a practical and highly readable guide to getting out of debt at any age. Readers will find the advice realistic and actionable with moments of humor and tough love. Makes an excellent graduation gift, recommended for people facing debt at any age and stage in life.