If you are in the position where you have multiple lines of unsecured high-interest debt, you may consider utilizing your means of transportation to strategically look at how you can restructure the debt to pay it off quicker. Now, of course, if the behavior that got you stuck in debt in the first place hasn’t changed, then you will want to wait to apply one of the two options presented. This will ensure you don’t pay-off a revolving line, just to get back in the same situation again. If this is not a temptation, then looking at utilizing equity from an existing vehicle or from a future purchase ensuring you buy it right and don’t finance more than it is worth may be an option.