The stress of being in debt can be crushing. The good news is that getting out of debt is possible-it may just take some time.

While taking on debt may be required in some circumstances, it's critical to address the other debt that's stressing you out. The secret is to approach debt repayment gradually, breaking down what you owe, finding extra money to put toward debt payments, and staying away from future unneeded debt.

The following five actions can help you get out of debt and be free.

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