Find ways to pay less interest on your debts:

  • Focus on paying off debts with the highest interest rate first 
  • Keep up with required payments (such as monthly minimums) on all your debts 
  • Consolidate your debts into an “all-in-one” type of bank account or a secure line of credit so you can make a single payment each month 
  • Talk to a debt counselor—you may have free access through your employer’s Employee and Family Assistance Program (EFAP)