The first thing you should do is run our free Debt Planner - Credit Card Calculator and get an idea where you are, how much you'll be paying, and how long till financial independence.
Instead of getting a PhD in debt management, the simplest and most effective way to get out of debt fast is to task the experts with it and get their (often free) debt help. Get-Me-Out-of-Debt.com provides third-party professional guidance in three main categories of debt problems: Heavy debt, Collector harassment, Credit repair.
Debt Consolidation Loans
Who is a debt consolidation loan for, ideally? People who:
Debt Management Programs (DMPs)
Who is debt management for, ideally? People who:
Another approach is with a Debt Settlement company. These programs treat the debt itself, not just the payment arrangements.
Often, credit companies and creditors will be open to either lowering interest or even lowering the amount of debt. This is a negotiation. Having an experienced professional on your side to do it for you is extremely important for success. Learn more ways to get out of debt fast here.