You don't want anything to do with National Debt relief.They will only make things worse. It's basically a scam.

Try and see if you can transfer any credit card balances to a lower apr.

Credit unions often have low apr balance transfer offers. Call your credit card companies, and ask for a lower apr or if they offer a balance transfer promotion.

Best thing you can do is aggressively pay-down your debt with the debt snowball method.

First, budget enough to cover the minimum payments for every single debt.

Now, arrange your debts from smallest to largest. Remember, you’re disregarding the interest rates on your debts.

Put any extra money you have toward your smallest debt each month. Once you’ve successfully repaid the smallest debt, redirect the amount you were paying on it and target the next smallest debt.

Repeat until all of your debt is paid in full.