Debt can feel overwhelming. Whether it’s credit card debt, student loans, personal loans, or medical bills, being in debt often leads to financial stress, limited freedom, and anxiety. But the good news is—you can take back control. This guide will walk you through effective debt management strategies that will help you regain your financial stability and work toward a debt-free future. With consistency, discipline, and the right tools, becoming debt-free is not just a dream—it's an achievable goal. What is Debt Management? Debt management refers to the process of organizing your debts, creating a repayment plan, and using smart financial strategies to reduce or eliminate your debt. It includes budgeting, consolidating loans, negotiating with creditors, and improving spending habits. The goal is not only