Dealing with debt effectively involves a few key steps:

Assess Your Situation: List all your debts, including amounts, interest rates, and due dates, to understand the full picture.

Create a Budget: Track your income and expenses to identify areas where you can cut back and allocate more toward debt repayment.

Prioritize Debts: Focus on high-interest debts first (the avalanche method) or pay off smaller debts first for quick wins (the snowball method).

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