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Getting out from under your Debt

Cut Up Credit Cards

If you are in the United States, I invite you to annually check in for a free credit report through https://www.annualcreditreport.com.

Note that this is a free service from the three major credit reporting bureaus. You may receive a copy of your credit report every 12 months--- use this service and not the many fake, paid versions.

Keep note of the kinds of debt you are holding. "Good" debt is considered something like a student loan, that has a relatively low interest rate and pays off in additional opportunities once you exit college or graduate school. "Bad" debt is considered credit cards.