Two proven methods
- Avalanche: clear the highest-interest debt first to save the most.
- Snowball: clear the smallest balance first for quick motivation.
Lower the cost
A 0% balance transfer or consolidation can cut interest while you repay — but only if it genuinely lowers your rate and you avoid new spending.
Frequently asked questions
What if I cannot keep up?+
Get free, impartial help early — see where to get free debt help. Acting sooner gives you more options.