 TITLE: Best Ways for Millennials to Pay Off Debt CONTENT: Know Who You Owe\n----------------\nYou may think you know who all of your creditors are, but to be sure, check your credit report. It will list all of your tradelines, from loans to credit cards. Collection agency accounts will show up too, and this is where you may be surprised. Some debts can fall through the cracks. For example, you might have had a dentist bill that you forgot about and it was sold to a collection agency. If the sum was small, the collector may not have even contacted you, but is still sending information about it to the credit reporting agencies. Take a deep breath and find out what's in your file.\nAlso review your most recent account statements to get your current balances. Starting with a knowledge of where your various forms of credit stand will help you attack your debt more efficiently. END