If you're struggling to manage your debt on your own, consider seeking help from a financial advisor or credit counseling service. These professionals can provide personalized advice and guidance tailored to your financial situation. They can also negotiate with creditors on your behalf and help you develop a debt repayment plan that works for you.

Remember, effective debt management requires discipline, patience, and a commitment to making positive financial choices. By implementing these strategies and staying focused on your goals, you can take control of your finances and work towards a debt-free future.