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If you do not own your own home or do not want to risk the equity in your home for debt consolidation purposes, there are other alternatives to managing debt. You could contact a reputable credit counseling organization to get help setting up a budget, developing a strategy and schedule to pay off your debt, and, if necessary, negotiating a debt management plan with your creditors. You could also set up your own push payment plan using the same software many credit counselors use. It's called Debt Analyzer. You can download a free—but banner ad riddled—version or an ad-free version for about $30. One school of thought on credit debt management is to pay off the smallest bills first, then roll the amount you were paying on that debt into paying off the next largest debt and so on. Debt Analyzer works on the push payment theory in which you pay off the debts with the highest interest rates first, shaving years off your overall repayment period and saving thousands of dollars in interest. It is super easy to use and a really good tool for setting a goal for and reaching debt freedom!