 TITLE: How to Get Out of Debt - Experian CONTENT: 1\\. List Everything You Owe\n---------------------------\nTo pay off your debt, you need to know exactly how much you owe:\n*   Make a list of all your debts. Include your mortgage, vehicle loans, student loans, other types of loans, accounts in collection and credit cards.\n*   For loans, note your interest rate and monthly payment.\n*   For credit cards, note your interest rate and the minimum monthly payment.\nAdd your monthly loan payments and minimum credit card payments to determine the minimum amount you owe each month.\nIf you're unsure of all the accounts you have open, especially those that might be in collections, you can check your free credit report. It will show what creditors are currently reporting to the credit bureaus, including your most recently reported balances and contact information for the accounts. (Your banks and credit card issuers will have the most up-to-date information.)\nThe total you come up with is the minimum amount you need to pay every month simply to stay current on your debt. However, if that's all you pay toward your debt on a monthly basis, it will be nearly impossible to pay it all off. END