Do you have credit card debt? Many Americans do—to the tune of more than $900 billion collectively, according to personal finance website NerdWallet. Credit card debt can feel overwhelming or even embarrassing, but it’s not a life sentence. Take steps toward a debt-free life with these tips:

1. Limit your expenses

Take a critical look at your wants versus needs. Make simple moves such as cutting out your daily coffee shop habit, preparing more meals at home, or canceling your cable or movie-streaming services. Take your budget seriously and make it a priority to only charge to your credit card what you can pay off each month.

2. Pay as much as possible each month

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The unfortunate truth is that you’re fighting an uphill battle if you’re only paying the minimum balance on your monthly credit card bill. Paying the minimum balance can add years to your payoff as interest builds, and may negatively impact your credit score. Putting the “extra” money from cutting back on expenses to pay more toward your debts is beneficial in the long run, and can help you achieve your goals faster.

3. Prioritize your debts

The average household with credit card debt pays $904 annually just in interest, according to NerdWallet. The longer you carry a balance, the more interest you’ll pay out of pocket—on top of what you already owe. There are two tactics to consider: You can tackle higher-interest-rate cards first to reduce the amount you’ll pay overall, or you can tackle smaller balances first so you can free up cash to put toward the higher-interest cards. Select the strategy that works best for you and prioritize your payments accordingly.

4. Consolidate your debts

While opening new credit card accounts may not sound like a good idea, it can actually be a great tool to help you pay off your existing debts—if you’re smart about it. Only look for cards that offer a zero-interest introductory rate, such as the AAA Dollars MasterCard®. Transfer your current balances to the new card and then focus your efforts to paying off your debt within the 0 percent APR introductory window (the first 12 billing cycles for balances transferred within 30 days of opening the account). This enables you to pay off credit card debt without the added burden of interest charges, and it can help expedite your debt payoff.

5. Ask for a lower interest rate

Unable to qualify for a zero-interest card? Call your credit card issuer and ask to renegotiate the terms. You may be able to get a lower interest rate, or even set up a payment plan to pay off your credit card debt. If at first you don’t succeed, be persistent and try calling back another day. You can also try describing competing credit card offers to encourage them to match the lower interest rate.

6. Seek out credit counseling services

If you’re doing as much as you can and still feel underwater, seek help. Credit counseling organizations are typically nonprofits that offer education and personalized advice, such as debt management plans, to help you pay off your credit cards. Do your research: Be sure to only work with a reputable organization, and be clear about fees and other charges for any services beforehand.

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