Paying it is the best course of action.

You haven't provided enough information to offer any other solution.

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As the title states, too much debt. As in not enough to cover the payments on the debt.

Use the snowball or avalanche method to start paying it off.

If you can't meet your minimum payments you have an income problem more than a debt problem.

Start off with a budget. You need to know where you are to know where you’re going

I’ve never heard of this method. Can you describe it?

• snowball - pay off debts one at a time, smallest to largest.

• avalanche method - pay off debts one at a time, highest interest rate to lowest interest rate

Thanks for the help brother

Get a weekend part-time job to help cover the expenses and get everything paid off. Work with a financial advisor and make a budget. There’s a ton of resources that you can use on social media or just googling it. Dave Ramsey does the avalanche/snowball method. I don’t agree with everything he says to do but it’s a decent place to start.

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Stop borrowing money. Stop spending more than you make. Spend less than you make, and pay off the debt.