Once in debt, it can seem a big struggle getting out of debt. If you owe money to more than one person or company, that can make it a lot worse and often the problem is so bad that you cannot bear to think about it. There are ways out and many people have worked very hard to get themselves out of a lot of debt. It will be hard but once you have focused and made a repayment plan, things will feel much better. Firstly make a list of who you owe money to, how much you owe and what the interest rate is for each. Then take a look at what you are spending, work out where all of your money is going and whether everything that you buy is necessary. If you are lucky enough to have some money left over at the end of each month, then you will be able to use this to start paying off the debt. Start by paying off the loan with the highest interest rate. Once you have paid off that one you will not only be able to pay back the money to the next one but also the interest that you will have been paying there. This is the least costly way of paying back your loans. If you have no money left over in a month then you will need to take a much harder look at your spending and cut down wherever you can. You may also be able to sell some of your possessions or work more hours to bring extra money in to the house which you can use to pay it off.