I’d like to suggest an adaptation on one of the options to work on. You have listed to work on tracking and paying off the debt with the biggest interest %. I would also suggest having an option to alternately pay off the smallest debt first. By doing that it frees up a chunk of cash that can be put towards the next biggest debt and then so on. Its not the best way in a strictly financial sense, but it allows the person to actually SEE progress (Well, Honey, thats one credit card paid off). Its more about building momentum and excitement as the person sees the accounts cleared. Its called the Debt Snowball. I got this idea from Dave Ramsey’s Financial Peace University study.
Just my two cents.