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If you're wallowing in a swamp of debt such as student loan debt you can't manage, you need to make a plan to fix this. In the case of student loan debt, there are a number of tools available to help you. You should check out Student Loan Hero or for everything else, get ReadyForZero. This is a smart phone app that can help you do just that – which is to pay all your debts down to zero. Just don’t try to pay off debt without having a plan. If you do this you are almost bound to fail. Other good options for paying off debt you might explore include using the strategy of "snowballing" your credit card debts or getting a debt consolidation loan. If you have high-interest credit card debts you should be able to get a handle on them by transferring those balances to a credit card with a lower interest rate or, better yet, a 0% interest balance transfer card. Many American families have also found debt relief through debt settlement. Companies such as National Debt Relief have helped thousands of Americans get their debt settled for pennies on the dollar and become debt free in just 2 to 4 years.