Britain’s personal debt is increasing by £1 million every 4 minutes, totalling £1,363bn at the end of August 07. Amongst the most badly hit are university graduates, who leave their studies with an average debt of £12,363. Now, thanks to a scheme called Do Good 4 Debt (http://www.dogood4debt.com), launching in January 08, graduates and people in debt can back into the black by simply doing some charity work with the homeless, sick or elderly.