There are many ways to get out of debt.  There is no "best way" to get out of debt.  The way you chose to get out of debt and in control of your financial life will depend on your debt load and your earnings.For some people getting out of debt will be relatively easy.  A little will power and perhaps a consolidation loan.  For people with a very serious problem it may take a great deal of sacrifice or even a proposal to your creditors or a bankruptcy.