Having a complete picture of your financial situation will help you create a personal plan to pay off your debt and get your finances back on a positive track.

This section contains tools to help you measure your total and monthly debt; calculate your debt-to-income ratio; understand your monthly income and expenses, including debt payments; develop a reasonable debt reduction budget; and see how paying more than the minimum can help you get rid of your debt more quickly. Remember to print out each step along the way so you can easily track your progress. Let's start plugging in the numbers.

Manage Your Budget Pay More Than the Minimum