- line all the debt up from highest interest rate to lowest. While you want to make the minimum payments on all the debts, any extra money should ALL go to the debt with the highest interest rate first.
- you may want to talk to a community self-help group (check at your local library) on taking classes on basic personal budgeting. Getting debt under control is a function of getting spending under control
No matter what kind of debt you are in it may take years and meticulous planning to have it settled. But, there are some strategies you can make use of to clear your outstanding dues.