List all debts, balances, interest rates, and minimum payments
Make a monthly budget
Cut unnecessary spending
Pay more than the minimum on one debt
Use the debt avalanche method
Use the debt snowball method if motivation matters more
Focus extra payments on the highest-interest debt first
Keep making minimum payments on all other debts
Automate payments
Build a small emergency fund
Avoid taking on new debt
Negotiate lower interest rates
Refinance high-interest debt if possible
Consolidate debt only if it lowers total cost
Sell unused items
Increase income with extra work or side jobs
Apply windfalls to debt
Track progress regularly
Stop using credit cards while paying down debt
Seek credit counseling if needed