Как погасить долги за квартиру если нет денег: как погасить и выплатить платежи за коммунальные услуги (коммуналку)

Как законно погасить большую задолженность по квартплате

Как можно погасить задолженность по квартплате

Для понимания того, как погасить долг по квартплате с помощью средств, находящихся в материнском капитале необходимо обратиться к положениям действующего федерального законодательства. В соответствии с Федеральным Законом №256 от 29.12.2006 определяется направление средств данного капитала.

Задолженность по квартплате: как правильно погашать долг

Своевременной оплатой по коммунальным счетам считается перечисление средств за оказанные услуги от владельца квартиры до 10-го числа следующего месяца. Первые предупреждения о наличии долга присылаются жильцам по истечении трех месяцев неуплат. Если после 6 месяцев долг не оплачивался даже частичными платежами и владелец квартиры никаким образом не желает разрешать вопросы с долгом, то коммунальные службы вправе подавать в суд на законных основаниях. Например, самой «активной» службой по взысканию долгов с неплательщиков считается Энергонадзор. Должников после нескольких уведомлений отключают от общей электросети.

Большой долг за квартиру: что делать

Следует отметить, что в России работа с неплательщиками по ЖКХ происходит с применением достаточно гуманных мер. Так, подаче иска в суд предшествует целый ряд превентивных мер. Сначала долг просто накапливается, однако, с неплательщиком никто не связывается.

Чем грозит большой долг за квартиру и что с этим делать

1. Начисление пени. Это определенный процент (неустойка), которая взимается за просрочку по платежам за коммунальные услуги. Её размеры варьируются в зависимости от срока, в течение которого потребитель услуг не оплачивает их. Также для разных типов потребителей, будь то организация или гражданин РФ, будут действовать различные системы расчета пени.
2. Приостановка получения услуг/полное их отключение. Эта мера применяется в случае, когда оплата не производится более трёх месяцев. Холодную воду и отопление не отключают.
3. Взыскание долга по приказу суда. Чаще всего собственник узнаёт о наличии большого долга в самый последний момент, так как УК достаточно представить суду письменное подтверждение того, что долг есть, с указанием размера задолженности.
4. Выселение. Эта мера применяется крайне редко и грозит она только съёмщикам жилья, собственника же выселить не могут.

Что делать если нечем платить большой долг за квартиру

Денежные споры между жильцами и управляющими компаниями были и, кажется, будут всегда. Статистика сообщает нам печальные новости: каждый третий житель нашей страны задерживает или же вовсе не платит квартплату. Странным является тот факт, что среди должников добрая половина людей считаются достаточно обеспеченными людьми, которые имеют постоянный доход. И только четверть от общего числа неплательщиков — это малообеспеченные слои населения.

Как можно не платить пени по квартплате

Если же такое соглашение между указанными лицами не оформлялось, то в таком случае управляющая компания будет руководствоваться нормами, Прописанными в статье 395 Гражданского кодекса, в соответствии с которым сумма пени непосредственно зависит от принятой Центральным банком ставки рефинансирования.

Если есть задолженность по ЖКХ (квартплате): что будет, чем грозит, могут ли выселить за долг, ответственность, наказание

Сегодня не всем гражданам удается полностью и своевременно осуществлять оплату коммунальных платежей. У многих россиян тяжелая финансовая ситуация, и на оплату услуг не остается средств. Однако не все знают, что задержки платежей свыше 1-3-6 месяцев могут привести к начислению пени, отключению горячей воды, газа, электричества и обращению в суд жилищно-управляющей организацией за взысканием долга. А затем уже судебные приставы будут изымать денежные средства и имущество. В некоторых случаях должника может постичь участь выселения из квартиры.

Действенные методы законного списания долгов за коммунальные услуги

К взысканию задолженности по квартплате применяется общий срок исковой давности. Он устанавливается гражданским законодательством и составляет три года. Самое главное ответчику успеть обратиться с требованием применения сроков исковой давности к судье до момента вынесения решения. Тогда (даже если вы не платили по своим счетам больше десяти лет) взыскание будет ограничено сроком в тридцать шесть месяцев и ни днем больше. Если ответчик не воспользуется своим правом суд примет решение в пользу истца и удовлетворит его требования в полном объеме. И хоть долг перед коммунальщиками не исчезнет полностью, применение сроков исковой давности позволит «скостить» общую сумму взыскания через суд и посредством исполнительного производства. При условии, что за время накопления долга вы не сделали ни одного платежа и не подписывали в офисе УК никаких документов. В ином случае отсчет срока давности начинается заново.

Задолженность по ЖКХ: штрафы и другие возможные последствия

Узнать точную сумму штрафа можно в офисе управляющей компании. Также посчитать размер штрафных начислений можно самостоятельно. На сайтах поставщиков коммунальных услуг часто имеется калькулятор пени, с помощью него можно в режиме онлайн получить сведения о своих штрафах.

Чем грозит долг за квартплату и что с ним делать

Несмотря на то, что для любого жильца долги за квартплату являются нагрузкой и не самым приятным обстоятельством, тяжелее всего придется гражданам, заключившим договор социального найма. После полугода задолженности по оплате коммунальных услуг появляются все основания для выселения. К счастью, это крайняя мера, применяемая только в случае, когда никакие другие способы взыскания долга не работают.

Как списать долг по квартплате

Наталья! Может быть Вы имеете право на получение субсидий. Получение субсидии на оплату ЖКУ имеют право граждане, у каких расходы на коммунальные услуги превосходят 22% от среднего дохода семьи. (Зависимо от региона этот порог может изменяться в наименьшую сторону, к примеру, для обитателей Москвы он составляет 10%). Обратитесь в отдел соц.защиты по мету вашего жительства, Вам подскажут какой список документов необходимо будет принести. Субсидии предоставляются гражданам при отсутствии у их задолженности по оплате жилых помещений и коммунальных услуг либо при заключении и (либо) выполнении ими соглашений по ее погашению. Потому соглашение о погашении задолженности заключить придется. Фактически любая управляющая компания с легкостью идет на заключение такового рода соглашений. Это касается и поставщиков газа, э/энергии и др. ресурсов.

Последствия от неуплаты квартплаты, срок давности задолженности и способы её погашения

Исковая давность, согласно ст. 199 ГК России, составляет три года. Такой же срок действует, когда долг взимается с людей, получивших недвижимый объект в наследство. Задолженность по квартплате, срок по которой составляет более трех лет, должна быть выплачена только за последние три года. По закону, за прошлые годы граждане могут не возвращать деньги.

Если приходится экономить: сколько времени можно не платить квартплату

Отсрочка уплаты «коммуналки» едва ли будет беспроцентной, к этому придётся приготовиться хотя бы морально. Время послабления определяется соглашением, обычно оно составляет полгода – год. Однако УК не обязана заключать подобные договоры и может отказать своим просителям.

Накопилось много долгов по квартплате — что делать

Лучше всего отправиться в управляющую компанию и найти компромиссное решение проблемы. Если до этого собственник исправно вносил платежи и серьёзных нарушений не наблюдалось, то возможно, такую ситуацию можно будет легко разрешить. Представители компании могут предложить должнику написать заявление о предоставлении отсрочки. В основном, управляющие компании всегда готовы пойти на уступки человеку, оказавшемуся в трудной жизненной ситуации.

Последствия задолженности по квартплате

Результатом проверки задолженности может стать обязательная уплата пени. Сотрудники управляющей компании также регулярно обходят многоквартирные дома, уведомляя должников о необходимости погасить долг коммунальные услуги. Долги могут накапливаться в течение многих месяцев.

90000 How to Pay off Student Loans Fast 90001 90002 If paying off your student loans feels way far away-or even worse, totally impossible-hold on just a minute. Yes, paying off your student loans can seem totally overwhelming, but it does not have to be. 90003 90002 Whether you’ll be graduating from college soon or you’ve been trying to kick those student loans to the curb for a decade, you 90005 can 90006 make a plan for paying off student loans quickly. 90003 90002 Let’s set some expectations first.There is no magic plan for paying off your student loans. I do not have a special trick to share or a way to help you get rid of it all in 30 days flat. It’s not going to happen overnight. Sorry, guys. 90003 90002 But by following these steps, you can get on a fast track to dumping your student loan debt for good. Paying off your student loans takes time, hard work, and a whole lot of sacrifice, but it’s totally doable! Let’s make it happen. 90003 90012 1. Get on a Budget 90013 90002 Y’all, this is serious.If you’re not already doing this, now is the time to make a budget and stick to it. A zero-based monthly budget will show you exactly where your money is going and where you can cut back. You might even find «extra» money you did not know you had (praise!). 90003 90002 Get a new student loan interest rate in 3 minutes. 90003 90002 Throw that money at your student loans each month, and you’ll be making progress in no time. 90003 90002 With the free budgeting app EveryDollar, you can even put a line item in your budget for each student loan you’re paying off.That way you’ll see the progress as you keep crushing that student loan debt-and you’ll feel pretty BA in the process. 90003 90012 2. Pay More Than the Minimum Payment 90013 90002 You’ve probably heard this one before. If you’re only paying the minimum payment each month, you’re not getting anywhere fast. You might not even be breaking even with the interest you’re piling up! By making larger payments, you’ll be able to attack the amount you owe at a quicker rate. You can use the Student Loan Payoff Calculator to figure out how quickly you can pay off your loans by making extra payments.90003 90002 Here’s an example: 90003 90028 90029 Let’s say you have the typical $ 35,000 in student loan debt that the average student graduates with. 90030 1 90031 (That number could be made up of multiple loans, but for the sake of this example, we’ll say it’s all one loan.) 90032 90029 With a 6% interest rate (typical interest rates range from 4.53-7.08%) and a 10-year loan term (which is also common), you’d be looking at a minimum monthly payment of about $ 389. 90030 2 90031 90032 90029 Because of interest, your total repayment amount would be $ 46,629-that’s $ 11,629 more than your original loan! 90005 What even 90006.90032 90029 But let’s say you decided to pay just 20% more (that’s $ 77) than your minimum payment each month. That would put your monthly payment at around $ 466-which means you’d pay off your entire loan in about eight years and save over $ 2,600 in interest! 90032 90029 If you paid 90005 over 90006 20% more than your minimum payment each month, you’d pay off your loan even faster. You get the picture! 90032 90047 90002 Word to the wise, though: When you pay more than the minimum monthly payment, the student loan servicers might put that extra amount onto next month’s payment.That pushes the due date back, but you will not actually pay off your loan any faster. Tell your loan servicer to keep next month’s due date the same and to just apply the extra amount of money to your current loan balance. 90003 90002 All that said, if you’re having trouble even making the minimum payment each month, you might think the idea of ​​paying more money is a total joke. With that in mind. . . 90003 90012 3. Make Some Financial Sacrifices 90013 90002 Remember when I brought up sacrifice earlier? Here’s where it comes into play.90003 90002 Look at your lifestyle. What extra stuff have you been living with that you can do without? Bye, cable package. See ya, bougie subscription boxes. Maybe cut your housing cost in half by finding a roommate. Do you have a guest room that’s not getting much use these days? Rent that sucker out! Just think how quickly you could pay off your loans if your housing costs were cut way down. 90003 90002 How about selling some junk you do not need anymore? Dig through your closet, garage and storage to see what you could put on eBay or Craigslist.Then, add up what you spend eating out every week. Ditch the lattes and brew your own coffee at home. Have leftovers (they’re not 90005 that 90006 bad) or meal prep for the week instead of spending $ 10-20 on lunch. Trust me-there are plenty of creative ways to save. 90003 90012 4. Pay Off Student Loans With the Debt Snowball 90013 90002 The debt snowball method has helped a ton of people dump their debt, and it can work for student loans too. List 90005 all 90006 your loan debts (that includes private loans, secured loans, unsecured loans-you name it) from smallest balance to largest.Start paying on the smallest student loan balance first. Throw any extra money you have into paying off that first debt while still paying the minimums on everything else. 90003 90002 Once you’ve paid off the first debt, move to the second-smallest balance. Take everything you were putting toward the first one and add it to the minimum of the second balance. Once that debt is paid, move on to the next one and repeat the process until you’re finally out of debt. Boom. 90003 90002 You might be thinking, 90005 Nope-this is going to take forever! 90006 I mean.. . it’s definitely not going to happen overnight. But as you work the debt snowball method, you’ll feel the progress you’re making as each student loan disappears. Knocking those smaller loans out first will give you a couple of quick wins and help you stay motivated to start crushing the bigger student loans fast! 90003 90002 Just make sure you do not pocket the payment money as you pay off each loan-keep the momentum going by rolling that money into the next loan payment. You’ll thank ya boy later.90003 90012 5. Apply Every Raise and Tax Refund Toward Paying Off Your Student Loans 90013 90002 What do most people do when they get a raise? They blow through it like it’s nothing. And then they wonder why it felt like they 90005 did not 90006 get a raise. 90003 90002 As you keep killing it in your career and getting promotions as you go, put your extra income toward paying off those student loans. Do not move to a bigger house. Do not buy a new car. Do not buy any designer threads.And do not upgrade your smartphone. Use your income boost to make major progress in your fight against student loan debt! 90003 90002 The same goes for your tax refund. How many people do you know who take that «free money» and burn it all on new furniture or a 55-inch flat screen? Here’s a tip: Your tax refund is not free money from the government. They’re just giving you back the money you already paid them because you gave them too much. Take that refund and put it directly toward paying off a big chunk of your student loans! 90003 90012 6.Increase Your Income With a Side Hustle 90013 90002 If your biggest problem is income, pick up a part-time job on the nights or weekends that can help you stack cash quickly. Then, toss that extra cash directly at your student loan debt! There’s a ton of side hustle options out there-everything from driving an Uber, to walking dogs, to house-sitting. 90003 90002 Remember, the extra job will not last forever. You’re just trying to get intense and kick that student loan debt out of your life.90003 90012 7. Do not Bank on Student Loan Forgiveness 90013 90002 Listen up, y’all: I know people probably told you that taking out student loans was no big deal because you could just get them forgiven later. 90003 90002 But student loan forgiveness is not really the dream come true it sounds like. There are plenty of requirements you have to meet in order to be eligible (like working in a public service job for 10 years). And even then, forgiveness is not guaranteed. You’re better off having a job that pays well-that you actually 90005 like 90006 -so you can go ahead and pay off the debt as fast as you can.That way you will not spend years of your life waiting to have your loans forgiven. 90003 90012 8. Refinance Student Loans if It Makes Sense 90013 90002 Before you go running into the arms of an all-too-eager lender, know that refinancing student loans is not the right move for everyone. When you refinance, you’re taking your loans-federal, private, often a mix of both-to a lender who pays them off for you. And now you owe this new lender the money they just fronted you. 90003 90002 With a refinance, the goal is to secure a better rate and payment terms-which mean you pay less each month and for a shorter amount of time to one lender instead of more money for a longer period of time to one or more lenders.90003 90002 If you’re in a position to keep paying the same amount you were paying before you refinanced, even better. Because that means you’re throwing more at the principal each month than you were before and avoiding more interest. Plus-and here’s the best part-if you’ve got other debt outside your newly refinanced student loan, you can ramp up your debt snowball even faster once you knock out that student loan. (Head back to # 4 for a debt snowball crash course!) 90003 90002 Remember though, you’re refinancing to get a 90005 better 90006 rate and payment terms.If that’s not what you’re being offered, do not refinance. You’ve got to do your homework, or you could end up deeper in the hole than you were before. 90003 90012 9. Stay Motivated and You’ll Destroy Your Student Loan Debt ASAP! 90013 90002 Look, I’m not here to beat you up over taking out student loans in the past. But I do want you to experience the power of living debt-free. There’s no need to drag out your student loan payments for the next 10 years or more. When your money does not have Sallie Mae’s name on it every month, you can do so much more with it! 90003 90002 One last pro tip: Taking a class like 90005 Financial Peace University 90006 (FPU) can help you stay on the debt-free grind and learn plenty of other strategies for getting rid of your debt as fast as humanly possible.We’re offering a free, 14-day trial of FPU-the program that has changed more than 6 million lives-and it’s available 24/7 online. You got this! 90003 90002 Now that you have the tools to pay off your student loan debt, do you want to help the next generation avoid student loans 90005 completely 90006? If you want to make sure that no young adult in your life ever takes out loans for school, check out my book, 90005 Debt-Free Degree 90006 90005. 90006 It’s the resource all college-bound students-and their parents-need so they can prepare for this next step.Or if you’re ready to kickstart your journey to dumping student loan debt, then start with my new 64-page quick read, 90005 Destroy Your Student Loan Debt 90006. 90003 90002 90131 About Anthony ONeal 90132 90003 90002 Since 2003 Anthony has helped hundreds of thousands of people make smart decisions with their money, relationships, and education. He’s a # 1 national bestselling author of 90005 Debt-Free Degree 90006 and national bestselling author of 90005 The Graduate Survival Guide.90006 He recently released 90005 Destroy Your Student Loan Debt 90006. He travels the country spreading his encouraging message to help teens and young adults start their lives off right and people of all ages succeed with money. You can follow Anthony on YouTube and Instagram @AnthonyONeal and online at anthonyoneal.com or facebook.com/aoneal. 90003 .90000 Stupid or Smart? (Getting a Loan to Pay Off Debt) 90001 90002 90003 90004 90002 Should you get a loan to pay off debt? 90004 90002 In most cases, no. Just because you can get a loan to pay off your debt, does not mean you should. After all, are you really «paying it off» by using another loan? 90004 90002 What you’re doing is delaying the inevitable and / or making the debt a bit less painful to bear (either because you lower the interest rate, payment, or lengthen the time you have to pay it off).90004 90002 But I know there are circumstances where life happens and backs you into a corner, debt-wise. Whether it’s a job loss, or unexpected medical costs, life can send you in a tail spin and leave you with excessive credit card debt. Most of us have been there. 90004 90002 At this point you can choose to do a couple of different things. First, you need to make sure you stop the bleeding. Find a way to get more income, and / or drastically reduce your expenses to live within the means that you do have.If you do not do those things then you’ll be right back here in a few months or years looking for another loan to help you get rid of credit card debt. 90004 90002 Next, you can try and tackle this debt yourself by negotiating interest rates with credit cards, developing a debt reduction plan, and basically taking this debt on head first. Remember, there is no Obama credit card debt relief. Finally, like I said above, you can use a loan to help you delay or extend the debt pay off process. Here are some loans you 90016 could 90017 use.90004 90019 Different Loans to Pay Off Debt 90020 90002 90022 Home Equity Loan 90023 — If you own a home and have some equity (your home is worth more than you owe on it), you could tap into that home equity and get a loan for the amount of your debt. Doing so will likely take a high-interest debt and reduce it to a lower interest rate. However, you are taking an unsecured debt and turning it into a secured debt. You are putting your home at risk because of some retail spending. Not a good move.90004 90002 90022 Peer to Peer Loan 90023 — Take the banks out of the equation. Borrow some money from on online lending service. Peer to peer lending is growing in popularity because of the lack of credit elsewhere, and because it makes sense for some people. If you use this type of loan, you’ll likely pay less interest over time, and you can extend your monthly payments to a more manageable level. Read more about the option of peer to peer lending. 90004 90002 90022 Personal Loan 90023 — Some banks or credit unions will give you a personal loan if they can see consistent deposits in your checking account and a steady paycheck.These loans are not secured so there is no asset at risk except your checking account. You can likely reduce the amount of interest on your debts significantly by using a personal loan. Compare personal loan offers from top providers by checking out Fiona. 90004 90002 90022 Life Insurance Loan 90023 — If you have a life insurance policy with a cash value portion, you can take a loan against those funds to help you pay for the debt. I’m not a fan of this option since it goes against the original goal of the money, to protect your spouse and children.90004 90002 90022 Debt Consolidation Loan 90023 — Take all your debt and put it on one payment plan. You have to be careful with these loans because the company who if performing the consolidation for you is in business to make money off of you. In most cases with a debt consolidation, you will pay more interest over the long term and it will take you much longer to pay off the debt. Finally, people who consolidate debts this way often find themselves in dangerous levels of debt again. In other words, they do not address the root cause.90004 90002 90022 401K Loan 90023 — Similar to a life insurance loan, the 401K loan borrows money from a source where the original intent is something other than consolidating debt. For this reason, I’m not a fan of using a 401K loan to help you pay off debt. But these loans are pretty easy to make. Your 401K administrator is not concerned with what you use the money for. They will just loan you the money. And when you pay back the money, the minimal interest rate is actually paid to your 401K balance.90004 90002 90022 Balance Transfer 90023 — If you can get accepted, you might be able to get a 0% balance transfer credit card. You could do your own consolidation by taking all your outstanding balances and transferring the debt to one single credit card. In most cases, the new credit card will have a promotional 0% interest rate period and a 3% to 5% fee to make the transfer. I’ve made this move with success in the past, but it’s getting harder and harder to perform this move nowadays. 90004 90002 90016 Have you ever taken out a loan to «pay off» debt? Were you better off after making the move? 90017 90004 90053 90019 The Pay Off Debt App 90020 90002 90057 The Pay Off Debt App is designed to help you create and use a debt snowball to focus your debt reduction efforts.It’s a proven systematic way to get out of debt. There are no hidden charges or locked features. Use the app forever once purchased without any additional offers or features you have to pay to unlock! The app provides detailed insights and summary level information so you can see your plan in action. 90004 90002 90022 Click here to get Pay Off Debt 90023. 90004 90063 90064 Want My Free 31-Step Money Guide *? 90065 90002 Subscribe for free. Get my guide * 31 Days to Improve Your Financial Life, welcome series, and regular Five Things digest.Join 30,000+ other followers. 90004 90002 Success! Now check your email to confirm your subscription. 90004.90000 How to Pay Off Credit Card Debt 90001 90002 If your credit card debt is holding you hostage from your future, it’s time to break free once and for all. 90003 90002 Sure, it’s tempting to believe those rewards you’re earning are worth the crazy amounts of money you’re spending (1% cash back- 90005 really 90006?). And sure, you can try to play the game of trying to outsmart the company by opening and closing credit card accounts willy-nilly for the cash rewards and perks.90003 90002 But if you play that game long enough, someone is bound to end up the sore loser (and it’s never the credit card company). So, let’s talk about why credit card debt is bad. 90003 90010 Why Credit Card Debt Is Bad 90011 90002 We’ve all grown up hearing that credit cards are just a way of life. Our parents taught us the value of hard work, treating others the way you want to be treated, and using the credit card in case of emergencies. 90003 90002 It always starts out innocent, right? But after the fifth «emergency» this month, things start to spiral out of control.You do not have enough paycheck to cover those emergencies, leaving you low on cash and high on stress as you try to keep up. 90003 90002 Take control of your money with a FREE trial of a Financial Peace Membership. 90003 90002 Credit card debt never really sounds like that big of a deal. But after a while (and a lot of spending), the minimum payments become harder and harder to pay off. And before you know it, you’ve got $ 10,000 of debt with nothing to show for it but an empty bank account.90003 90002 If you do not have a credit card, that’s great! Keep living on less than you make and saving up for what you need. But listen: If you do have a credit card, it’s time to get on a plan and kick that debt to the curb-for good. 90003 90010 What Are Other Credit Card Repayment Methods-and Do They Work? 90011 90002 Look, paying off debt is never easy. And there’s a lot of buzz surrounding the idea of ​​»quick ways» to get rid of your debt. Here’s the truth: There’s no quick fix-but you can find a time-tested, permanent solution if you’re willing to roll up your sleeves and get to work.90003 90002 Let’s take a look at the most-advertised ways to reduce debt (and why you should steer clear of these methods-at all costs): 90003 90028 90029 90030 Debt consolidation. 90031 This is basically a loan that combines all your debts into one single payment. This sounds like a good idea until you discover that the lifespan of your debt grows, which means you’ll stay in debt longer. And the low interest rate that looked so appealing up front usually goes up over time.90032 90029 90030 Debt settlement. 90031 Debt settlement companies are the cold sores of the financial world. Run from this option! Debt settlement companies will charge you a fee and promise to negotiate with your creditors or reduce what you owe. But typically, they just take your money and leave you drowning in debt. No thanks! 90032 90029 90030 401 (k) loans. 90031 Never borrow from your 401 (k) to pay off your debt. We repeat- 90005 never 90006 borrow from your 401 (k)! Not only will you get hit with penalties, fees and taxes on your withdrawal but you’re also stealing from your own future.90005 Yikes 90006. 90032 90029 90030 Home equity loans. 90031 It’s never a good idea to borrow money against your home with a home equity loan. You risk losing your house if you can not pay back the loan on time. Trust us-don’t do it! 90032 90049 90002 These debt reduction strategies are risky at best and really only treat the symptoms. You do not need to consolidate, settle or borrow someone else’s money to deal with your debt. You just need to change how you manage your money. Did you get that? Your money will never change until 90005 you 90006 do! 90003 90002 But change only lasts so long unless you have a plan.And you can not change without a plan. That’s why you need to start with a budget. It’s a plan that puts you in control of every single dollar you have by telling them where to go. And if you’ve never made a budget before, that’s okay! It’s never too late to get started. We even created a free budgeting app called EveryDollar to take the guesswork out of making a plan. It gives you the tools you need and even holds you accountable so you can reach your goals and dreams. 90003 90010 How to Pay Off Credit Card Debt 90011 90002 When it comes to paying off credit card debt, there’s no better way than the debt snowball method: 90003 90002 90030 Step 1: 90031 List your credit card debt from smallest to largest (do not worry about interest rates).Pay minimum payments on everything but the little one. 90003 90002 90030 Step 2: 90031 Attack the smallest debt with a vengeance. Once that debt is gone, take that payment (and any extra money you can squeeze out of the budget) and apply it to the second-smallest debt while continuing to make minimum payments on the rest. 90003 90002 90030 Step 3: 90031 Once that debt is gone, take its payment and apply it to the next-smallest debt. The more you pay off, the more your freed-up money grows and gets thrown onto the next debt-like a snowball rolling downhill.90003 90002 Repeat this method as you plow your way through debt. And do not forget to close your credit card accounts after you pay them off. . . and then dance without caring who’s watching-you did it! 90003 90002 90003 90010 Which Credit Card Should You Pay Off First? 90011 90002 Does not it make mathematical sense to pay off the credit card with the highest interest rate first? 90003 90002 Maybe. But numbers are not the problem here. Behavior is-and the point of the debt snowball method is behavior change.90003 90002 Starting with the smallest balance on your debt will help you make progress by seeing those little wins right away. That progress will be the fuel you need as you run full speed ahead to pay off all your credit cards one by one! 90003 90002 When you begin with the smallest credit card balance, you’ll knock it out pretty quickly and keep the motivation to pay off the next credit card-and then the next. . . and the next. 90003 90002 Motivation will take you all the way to the finish line of paying off your credit card debt.90005 But 90006 if you start with the largest debt, you could lose steam and quit before you even get close to finishing. We’ve seen it happen time and time again. 90003 90002 Listen: You may not think paying off a $ 50 credit balance is a big deal, especially when you’re staring that $ 10,000 Visa bill in the face. But when you put that minimum payment toward your next debt and see your snowball grow, there will be nothing that stands in your way. 90003 90002 Look, we’ve helped nearly 6 million people pay off their debt with the debt snowball method.If you stick with it, you’ll be debt-free in no time! 90003 90010 Should You Keep Your Credit Cards While Paying Them Off? 90011 90002 Absolutely not! Keeping your credit cards is out of the question. Go get every single credit card you own. Like, right now. Go. Put them on your kitchen table. Now grab some scissors and start chopping. 90003 90002 Responsible credit card use just does not exist, no matter what the famous actors tell you in commercials. There’s not a single good reason to keep a credit card around-not even for points and miles and all that baloney.90003 90002 Now, take a deep breath. We just walked you through the next few years of your life (if you choose to accept the challenge). You might be sitting on top of a mountain of debt or a molehill. But either way, it’s hard to reach your dreams when you’re carrying the heavy baggage of debt. So. . . are you ready to get to work? 90003 90002 We’ll be with you every single step of the way. In fact, we want to walk with you until the day you can confidently say «I’m an everyday millionaire.»Check out Ramsey +. It’s the all-access membership that gives you our bestselling money products. . . all in one place. Sign up for your free trial and see just how easy it will be to say goodbye to debt (for good) and hello to financial peace. Ready to do this? 90003 .90000 How to Pay Off Student Loans Fast 90001 90002 Dealing with student loan debt is tough. You’re probably no stranger to the student loan crisis we’re facing, as Americans now owe an incredible $ 1.3 trillion (and growing) in student loan debt — more than all our credit card debt or even our car loans. 90003 90002 Seven in 10 college students will leave school with loans in 2016, averaging a whopping $ 37,172 in student debt. But for those who pursued advanced degrees, switched majors, or went back to school, that number can be significantly higher.In fact, according to the Federal Reserve Board Survey of Consumer Finances, almost 19% of borrowers owe $ 50,000 or above (with 5.6% owing more than $ 100,000). 90003 90002 For some, student loans are a necessary burden throughout college that lead to a better paying job in the field of their choice. To others, student loans may have felt like free money in a sense, or just something to deal with after graduation. Whatever the case may be, student loan debt is leaving today’s college graduates burdened right from the start, drowning in debt — and stress.Read on to learn 15 strategies for paying off student loans. 90003 90008 How to Pay Off Student Loans Fast 90009 90002 Before you throw in the towel, know that you can manage your student loans in a smarter way, pay them off faster and cheaper, and live a debt-free life. Here are some ways to deal with student loan debt: 90003 90012 1. Take advantage of your grace period. 90013 90002 Depending on your loan type, your lender may grant you a grace period after you graduate (or stop attending the college), where you do not need to make any payments toward your loan.Avoid the tempting option of simply ignoring your debt during this period. If you still have the luxury of a grace period, now is the time to fully understand your loans, make a game plan, and, if possible, start making the payments you’d normally be making anyways. 90003 90002 For example, if your loan payment is going to be $ 250 per month after your six-month grace period expires, start paying that amount now. Not only will you get out in front of your loan to the tune of $ 1,500, you’ll already be in the habit of putting that $ 250 aside each month.90003 90012 2. Understand your loans. 90013 90002 Even if your grace period is long gone, the first step in dealing with your student loans is to really understand what you’re dealing with. It’s easy to turn your brain off, make your minimum payment (if you can even afford it), and not give it another thought. But to actually make an impact, you need to know how your loan works. Here’s how to understand your student loan debt: 90003 90022 Step 1: Find your loans. 90023 90002 It would seem crazy to someone that has never had a student loan, but yes, it is very possible and extremely common to not be aware of all your loans after graduation.Since you can not go back in time to tell 18-year-old you to keep track of every detail of each loan you take out, you’ll have to put in the legwork now. 90003 90002 For starters, check the National Student Loan Data System to find any federal loans. To check what you owe to private lenders, contact them directly. Another option is to order a free copy of your credit report to see who your lenders are. 90003 90022 Step 2: Understand your payment options. 90023 90002 Some loans offer the chance to switch to an income-based repayment plan based on what you’re earning.If you’re unable to make your payments at all, you can apply for a temporary deferment. 90003 90022 Step 3: Familiarize yourself with each loan’s details. 90023 90002 If you’re dealing with multiple loans, which is often the case, then try to first tackle the loan with the highest interest rate. Besides the interest rate of each loan, understand what the minimum payment will be and which loans would qualify for things such as a deferment, loan forgiveness, and a better payment plan. 90003 90012 3.Choose your best payment plan. 90013 90002 As I mentioned above, you could have the option of choosing a better payment plan, such as Income-Based Repayment or Pay-As-You-Earn. These options give you a more 90039 manageable minimum monthly payment based 90040 on what your current income is. You may also wish to explore student loan consolidation if you are having difficulty keeping track of multiple loans at once. 90003 90012 4. Continue to live a ‘college lifestyle.’ 90013 90002 I get it.You’re done with ramen noodles and cheap, used furniture. You worked your butt off in college, you’re finally making some money (hopefully) at a job, and you deserve to start living better, right? 90003 90002 Wrong. Face the reality of your debt situation, and work toward paying off these loans. You probably lived quite simply in college, so why stop now? The longer you can keep living a bare-bones lifestyle, the faster you can pay off your student loans. 90003 90048 90049 Continue living with roommates to share rent and expenses.90050 90049 Skip the concert tickets, pricey dinners, and expensive bar tabs in favor of free things to do such as pot-luck dinners with friends, free museums, and outdoor activities. 90050 90049 While you may need some dressier clothes for work, try not to go overboard. Invest in a few pieces of flexible, good-quality outfits for work and continue to dress on the cheap outside the office. 90050 90049 If you live in a city, try to get by without a car. Either way, limit your driving by taking advantage of public transportation, carpooling, planning efficient routes, and walking or biking whenever you can.90050 90049 Cut other costs whenever possible, and find ways to save money that work for you. 90050 90049 It does not have to be ramen and canned tuna, but cook at home whenever possible instead of going out to eat. 90050 90061 90002 Remember, every $ 100 pair of shoes you do not buy is another $ 100 to help you pay off your student loans faster. Every time you skip a $ 30 dinner out, you’re $ 30 closer to debt freedom. 90003 90012 5. Stick to a budget. 90013 90002 Once you know what your payment is going to be, create your monthly budget, and stick to it.When you’re making your budget, try to trim anything you can and put that additional money toward your debt. Find ways to save money so you can budget more toward your debt repayment. 90003 90012 6. Make a smart debt repayment plan. 90013 90002 Student loans may not be the only debt you accrued while in college. According to Debt.org, 90039 the average college student has $ 3,200 in credit card debt 90040 on top of their loans, and that estimate may be modest. Do not ignore your credit card debt while dealing with your student loans.Once you lay out what you’re paying in interest every month, you can make the best strategy for dealing with your debt. 90003 90012 7. Earn more money. 90013 90002 This is easier said than done, but it’s the best way to put a dent in your student loans. Here are some ways to make more money: 90003 90048 90049 If you’re currently employed, try to negotiate a larger salary or promotion. Can you take on more responsibilities at your job to earn more? 90050 90049 Pursue opportunities for overtime or extra shifts.90050 90049 Apply for jobs with higher paying salaries. 90050 90049 You can start your own side business based on your interests. 90050 90049 Get a part-time job. If possible, opt for one near your home or work so it does not become a huge hassle. 90050 90049 Tap into the sharing economy: Try driving for Uber or Lyft, renting out your apartment on Airbnb when you’re away for the weekend, or pet sitting and dog walking with a service like Rover. 90050 90049 Sell your unwanted belongings at second-hand or consignment shops, online, or at a yard sale.90050 90049 Offer your services: Do you play a musical instrument? Start giving lessons. Know a subject inside and out? Let people know you’re available as a tutor. 90050 90061 90012 8. Deduct your student loan interest. 90013 90002 Once tax season rolls around, do not forget to deduct your student loan interest. You can 90039 reduce your taxable income by up to $ 2,500 90040 on any interest you’ve paid for that tax year. Your lender should send you this information, but you can also request it or get it online.It may not make a huge difference, but every little bit helps. 90003 90012 9. Look for jobs that pay your debt or offer student loan forgiveness. 90013 90002 The main point of getting that ridiculously priced degree was a job, right? So why not get a job that helps reduce your debt while still earning an income? In an effort to attract the best talent, some employers are now offering help with student loan payuments as a standard workplace benefit, along with a 401 (k) and more typical perks.90003 90002 Depending on your industry, you can also search for a job eligible for studentloan forgiveness. If you work in a public service career — at a nonprofit organization or in local government, for example — you can usually get loan forgiveness after making payments for 10 consecutive years. 90003 90002 Many times, loan forgiveness is offered when a certain area, such as a low-income area or rural community, is lacking a specific profession. Some of these jobs include teacher, law enforcement, doctors, lawyers, dentists, social workers, firefighters, speech pathologists, nurses, psychiatrists, and more.Keep in mind many of these opportunities come with many requirements and stipulations. You may have to sign a contract to work for a designated amount of time or live in a certain area. If you do not complete your contract, you may be asked to return any student loan assistance you have received or not get that assistance at all. 90003 90012 10. Volunteer. 90013 90002 As if paying down your student loans is not great enough, you can also help people while doing it. Organizations such as AmeriCorps, VISTA (Volunteers In Service To America), Peace Corps, Teach for America, and National Health Service Corps all offer some type of 90039 student loan forgiveness 90040 or reimbursements for your dedicated service.90003 90002 New to the volunteer scene are Zerobound and SponsorChange. Both these organizations connect organizations in need of volunteers in exchange for money towards your student loan debts. Just like careers that offer loan forgiveness, there’s plenty of stipulations to earn this. Depending the program, only certain loans may qualify. As with any loan forgiveness, be sure to fully understand what’s required of you. 90003 90012 11. Move. 90013 90002 In an effort to get young, educated professionals to come, many destinations offer student loan assistance if you move there.90039 Kansas 90040; 90039 Detroit 90040; 90039 Niagara Falls, N.Y. 90040; and 90039 Saskatchewan, Canada 90040 are all places that are willing to give you some type of reimbursement for moving there. Just like with the other types of student loan forgiveness options, there are strings attached. You might have to live in a certain community or neighborhood, work at specific company, or commit to staying there for a designated amount of time. 90003 90002 If you do not want to move to these specific areas, moving can actually help you tackle your student loans in other ways, too.Moving closer to your job lowers commuting costs. Consider downgrading or moving to an apartment with a cheaper rent. If you’re not currently tied down to a job, you can move to an area with lower costs of living. If you can move to a more walkable location, you may be able to sell your car. Between a car payment, insurance, maintenance, gas, parking, tolls, registration fees, and other costs, think about how much you could save by not owning a car. These can all result in you putting that extra money towards your student loan debt.90003 90012 12. Sign up for auto-debit. 90013 90002 Enrolling in automatic payments can 90039 lower your interest rate 90040, depending your lender. While it may only be small amount, that fraction of a percentage point can really add up over time. For example, Sallie Mae offers a 0.25 percentage point reduction of a loan’s interest if you qualify for auto-debit. But even if you will not get a break, automating your payment can eliminate the possibility of late fees and missed payments, which only add to the debt pile.90003 90012 13. Pay your interest during deferment. 90013 90002 Depending your loan type, you may opt for a deferment if you’re in school, unemployed, experiencing an economic hardship, an active military member, or another approved situation. If that’s the case, opt to continue making interest payments on your loan to help alleviate the burden once your deferment ends. 90003 90012 14. Enroll in. 90013 90002 This is a simple, free way to put a small amount of money towards your loans. In fact, its one of our Best Credit Cards for Students.Create an account, plug in all of your credit cards and loyalty cards, and earn cash back on certain products or at specific stores. If you are buying anything online, click through the link on the website, and you can earn 5 percent cash back. Since you’re dealing with your student loans and will not be doing much shopping, you can also share the link with your family and friends and let them earn money for you. You can opt to link this directly to any Sallie Mae student loan you have, or you can get a check back.90003 90012 15. Do not tack on more big debts right away. 90013 90002 That much-sought after next phase after graduation could be expensive. You’re next goals may be marriage, purchasing a car, or buying a home. These can be great options if that’s what you want and can afford. However, if you’re already dealing with overwhelming student loans, going deeper into debt for these is not the best move. 90039 The average wedding cost is $ 30,000 90040 and much higher if you live in a large city or have expensive taste.Opt for a less traditional, cheaper wedding or wait until you can afford the wedding of your dreams. 90003 90002 90039 Related Articles 90040 90003 .