Making only the minimum payment on your debt not only lengthens the time it will take to pay off but it also ensures that you pay more interest. Why give them more of your money than necessary. You don't have to make huge payments, anything over the minimum will help. But the more you can afford to pay, the quicker you will be out of debt.
It is also important to avoid creating more debt, whether it is charging more on your credit cards or taking out loans. This will allow you to focus on paying off what you have. You don't want to stretch yourself so thin that you can't make your payments.
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