There are several methods for reducing your debt, and different situations call for different solutions. There is no one size fits all answer, despite what you may see or hear in advertisements.

If you have enough cash to make payments that are much larger than the minimums, you probably have the means to pay your debt off on your own.

If you cannot make more than the minimums or if you are falling behind and have very high interest rates, you should seek the advice of a non profit credit counselor. A credit counselor could help you get lower interest and possibly lower payments, getting you out of debt much faster than you could on your own.