I've only seen ads, but Carmen's show seems like it might be sensationalized a bit. The ads make it look annoying.
Dave R is both great and annoying. Some great advice/commentary, but he drives me nuts when he cracks a joke and laughs hysterically at himself. The joke might deserve a chuckle, but he's a bit over the top sometimes.
Just follow the advice that works best for you. If you are a numbers person, go with Carmen. If you need a psychological boost, go with Dave. Or combine them, which is what I did. Paid off a few small balances first, then went by interest rate.
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