Debt freedom starts with awareness and discipline. The first step is listing all debts clearly—knowing what you owe helps you plan better.
Second, prioritize high-interest loans and pay them off first while maintaining minimum payments on others.
Third, track every expense to identify unnecessary spending. Redirect that money to repay debt faster.
Fourth, explore refinancing options if you have multiple high-interest loans—it can reduce your total interest burden.
Finally, commit to a realistic budget and review it monthly. Staying consistent is the key to lasting financial freedom.