Your creditors make it easy for you to pay your debt. They ask you to pay the minimum on your debt. That is a big mistake. Making the minimum payment on you debt will put in a NEVER-ENDING cycle that will prolong your effort to get out of debt.
You need to pay more than the minimum. It make no sense to save any money in you are in debt. If you can pay off your current debt load, you must avoid taking a debt consolidation loan as a way to get out of debt. Debt consolidation loan won’t help you. In most cases, debt consolidation loan gives the warm and fuzzy feeling that you have done something to get out of debt. In reality, you are recycling your debt from one creditor to another and still carry the same debt load.