You can consider the following methods to deal with this problem:

1. Create a budget: Assess your income and expenses and develop a detailed budget plan. Make sure your monthly expenses don’t exceed your income.

2. Cut expenses: Find unnecessary expenses that can be reduced and try to save money. For example, reduce consumption habits such as eating takeout and shopping.

3. Optimize debt management: Negotiate with credit card companies and develop a repayment plan. Try to avoid late payments and paying high-interest loans.

4. Get help: Talk to a financial professional or credit institution to learn how to effectively manage your debt. They can provide suitable advice and solutions.

5. Increase your income: Consider adding additional sources of income, such as a part-time job or side hustle. This allows debt to be paid off faster.

Summary:

Handling debt problems requires determination and patience. By creating a budget, cutting expenses, optimizing debt management, and seeking professional help, you can gradually improve your financial situation. The important thing is to take positive action, set achievable goals for yourself, and stick to them.