I do know that zero debt has allowed me to be able to have work that I am passionate about rather than just working at a job I hate to pay my bills and student loans. http://www.classycareergirl.com/2012/09/15-ways-i-paid-off-80000-of-debt-in-18-months/
As a business major and complete dork, I disagree. However I do know that the idea of writing a 15 paged plan isn't appealing to most people. Unless you are applying for a loan, you don't NEED a business plan, but you should make a mini one.
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