Step 1

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Ask for financial help from family or friends. This avoids high-interest payments and reduces loan pressure.

Step 2

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Do part-time work or freelance gigs. Use the extra income to repay loans faster.

Step 3

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Pay extra whenever possible, even small amounts. It lowers the principal and reduces interest over time.

Step 4

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Identify where you can save. Stop spending on non-essential things like dining out or subscriptions.

Step 5

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Stay away from gambling or trading in stock options. These can lead to even bigger financial losses.

Step 6

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Focus on clearing loans with higher interest rates. This will save money in the long run.

Step 7

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Search for loans with better rates and refinance. This reduces your monthly interest burden.

Step 8

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Request your lender to lower EMIs and extend the loan period. This ensures manageable payments while you earn more.

Step 9

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Plan your monthly expenses to control spending. Allocate as much as possible to loan repayment.

Step 10

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Stick to your repayment plan without skipping. Consistency is key to breaking out of debt.