De-clutter your debt. Make a list of every single debt you have – credit cards, student loans, car loans, mortgages, and anything else you have. Write down the total amount you owe and the interest rate you’re paying on that debt. Order them by interest rate. Then, each month, make the minimum payment on each of them, then make a substantial extra payment on the highest interest debt. When that debt disappears, move on to the next one on the list until they’re all gone.
My interest rates are out of control.