Whether you have credit card debt, a car loan to pay off, a mortgage, or a student loan, you can talk to the credit company to try to get the rate of lowest possible interest and friendly repayment terms. These companies want to see you repay your debt and may loosen their terms to make repayment more convenient for you. Before approaching them, analyze your finances and determine how much you can afford to pay and over what period. You can also negotiate other mandatory expenses that eat up your money, such as medical bills.iv) Don't juggle getting out of debt with other priorities. When you make getting out of debt your number one priority, you will have to put many other plans and things like conveniences, travel, new toys, etc. on hold. As fun as vacations and upgrading your smart gadgets are, these things will slow down your debt repayment efforts and may even keep you in debt indefinitely. Focus 100% on your number one priority by sticking to your long-term financial plan and relying on budgets to maintain financial discipline.v) Make purchases based on need rather than