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Create a Budget: Track your income and allocate funds debt repayment.

Prioritize Debts: Pay off high-interest debts first.

Consider Debt Consolidation: Explore consolidation loans if they offer lower interest rates.

Negotiate with Creditors: Contact creditors to discuss repayment plans & lower interest rates.

Develop a Debt Repayment Plan: Identify your debts and create a plan to pay them off.

Try the Debt Snowball Method: Start with the smallest debt and work your way up.
Take Out a Personal Loan: Consider personal loans with lower interest rates to pay high-interest debt.

Use a Balance Transfer Credit Card: Consolidate high interest debt onto a card with a lower interest rate.

Seek Non-Profit Credit Counseling: Get help from non-profit agencies to receive debt management education.

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