List all debts, balances, interest rates, minimum payments, and due dates
Pay at least the minimum on every debt
Focus extra payments on the highest-interest debt first
Use the debt avalanche method to reduce total interest
Use the debt snowball method if motivation matters more than interest savings
Cut nonessential spending and redirect the savings to debt
Build a small emergency fund to avoid new debt
Avoid taking on new debt while repaying existing balances
Negotiate lower interest rates with lenders
Refinance or consolidate high-interest debt when it lowers costs
Transfer balances only if the fees and terms are better overall
Increase income through overtime, side work, or selling unused items
Apply windfalls like bonuses, tax refunds, or gifts directly to debt
Automate payments to avoid late fees and missed due dates
Track progress regularly and adjust the plan as needed
Seek credit counseling if debt feels unmanageable