Here are some good tips I found: 1. Know how much you owe and to whom. It might be a gruesome picture, but you can’t get out of debt if you don’t know how much you owe. List your debts, including interest rates and minimum payments. 2. Target balances with the highest APRs. Once you pay off a card, apply that money to other credit card balances. 3. Pay more than the minimum due. Even if it’s just a small amount, it will help you avoid paying for an item several times over in interest. 4. Use a debit card to avoid interest charges. It works just like a credit card but automatically deducts the purchase price from your checking account. Best of all, there’s no bill at the end of the month and no interest charges. 5. Restructure your debt. Consider switching your credit card balances to a card with lower interest. 6. Protect your credit history. Make all loan and credit card payments on time. It will help you keep your APRs lower.