Get Out of Debt Now

Steps to get out of debt: Do it today!

"Start by prioritizing," says Liz Pulliam Weston, author of Your Credit Score: How to Fix, Protect and Improve the 3-Digit Number That Shapes Your Financial Future and a personal finance columnist for MSN Money. "Devote any spare cash you have to paying off your [high cost] credit-card balances. Don't worry yet about other debt, like car loans or student loans — that type of debt is cheap, so make those payments as minimal as possible to focus on the credit cards."

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If you can barely make the minimum payments or are borrowing from one credit card to pay off another, speak with a nonprofit credit-counseling agency

To find a reputable one, visit the National Foundation for Credit Counseling at nfcc.org

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