I Tried Two Debt Repayment Methods—Here’s What Helped Me Get Out of Debt Faster

A few years ago, I found myself staring down at a credit card statement with a sinking feeling in my stomach. Between student loans, a personal credit card disaster, and a car loan, my debt loomed over me like a dark cloud. The sheer weight of it all felt overwhelming, and to be honest, I didn’t even know where to begin. I knew I couldn’t keep living paycheck to paycheck, praying for some magical windfall. I needed a plan, and what I found through trial, error, and persistence was that not all debt repayment strategies are created equal.