This document provides strategies for repaying debt, including getting organized, choosing a strategy, and following a monthly plan. It recommends making a list of all debts with balances, interest rates, and minimum payments. The two main repayment strategies discussed are the snowball method, where smallest debts are paid first to boost motivation, and the avalanche method, where highest interest debts are paid first to save the most money. It also mentions debt consolidation. The monthly plan involves budgeting minimum payments, setting aside extra for repayment each month, and applying that amount to the top debt while making minimums on others until paid off, then rolling that payment to the next debt.