A discussion of strategies on how to get out of debt using an ExCel spreadsheet. This session will be of value to anyone with debt who is serious about become debt free. Accounting and Taxation instructor at South Texas College for last 20 Years. Master of Science from University of North Texas, Master of Business Administration from Pan American University, BBA from the University of Texas at Austin. Certified Public Accountant inactive license in Ohio and Texas. 18 years as a Volunteer Income Tax Assistance volunteer and site coordinator at South Texas College.