If you are in debt, you can do a lot. You can
- Start by stop adding new debt
- Create a budget and cut down on things that do not add anything to your quality of life. Things like your caffeine fix, buying launch at work and having a round of drinks after work with your friends. This should help you find a minimum of $5 per day
- Use that savings ($5 per day X 30 days = $150) to eliminate your debt. Paying the minimum payment on your debt will keep in debt for the longest time possible.
If you find the above too hard to follow, taking a debt consolidation loan won’t help. Taking on new debt does not help you get out of debt.