Make several copies of this worksheet, one for every creditor. Put your worksheets in order, starting with the highest interest rate loan and going to the lowest. Then list how much you owe to that creditor and how much you will pay each month. Make steady payments, and soon you will see the amount you owe go down. It will go down even faster if the amount you pay is more than the monthly payment due. When one debt is eliminated, celebrate your progress (without using money)!

Creditor: __________________________ Debt is for: ________________________________