1. Create a budget: The first step to paying off debt is to create a budget that accounts for all your income and expenses. This will help you identify where you can reduce your spending and increase your debt payments.

2. Use the debt snowball method: This strategy involves paying off your smallest debt first while making minimum payments on your other debts. Once the smallest debt is paid off, move onto the next smallest debt, and so on until all debts are paid off.

3. Use the debt avalanche method: This strategy involves paying off debts with the highest interest rates first. Make minimum payments on your other debts and put any extra money towards paying off the high-interest debt.

4. Consider debt consolidation: Debt consolidation involves combining multiple debts into one loan with a lower interest rate. This can make it easier to manage your debts and pay them off faster.

5. Refinance your loans: Refinancing your loans can help you lower your interest rates and reduce your monthly payments. This can free up extra money to put towards paying off your debts.

6. Cut back on expenses: Look for ways to cut back on expenses like eating out, entertainment, and shopping. Redirect the money you save towards paying off your debts.

7. Increase your income: Look for ways to increase your income, such as taking on a side job or selling items you no longer need. Use the extra money to pay off your debts.

8. Negotiate with creditors: Reach out to your creditors to negotiate a lower interest rate or payment plan that works better for you. This can help you pay off your debts faster and more affordably.

9. Seek credit counseling: A credit counselor can help you create a personalised plan for paying off your debts and managing your finances more effectively.

10. Stay motivated: Paying off debts can be a long and challenging process. Stay motivated by setting goals, tracking your progress, and rewarding yourself along the way.