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How do I

Pay off my debt

Debt can feel like a heavy weight on your shoulders. Holidays, birthdays, travel, food, and bills can increase your credit card balances before you even realize it. There are strategies to get your debt under control.

Step 1: Calculate how much you owe

Start with monthly payments like credit cards and loans. If you are really struggling to make payments, you may want to consider consolidating your debt.

Step 2: Decide on a payoff strategy

The two common strategies for paying off debt are the snowball method and the avalanche method. The snowball method is when you pay off your debts one at a time, starting with the creditor you owe the least to. Whereas, the avalanche method works by paying off the debt with the highest interest rates first. A third method is to make extra payments to help pay off debts faster and avoid accruing interest.

Step 3: Know your rights

Regardless of how much debt you owe, there are laws that keep you protected from harassment by debt collectors. Collectors may not contact you between 9 AM and 8 PM unless you agree, and they may never provide false or misleading information. Learn more about your rights under The Fair Debt Collection Practices Act.