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Have you considered asking for a raise at your job? Earning more money could be a simple as negotiating with your boss. You can also inquire about the opportunity to move up in your company, take on extra work, or work overtime. Consult your boss and see what opportunities are available for you. Nowadays, lots of people have a side job. Consider taking on some extra work in order to earn more money. Some ideas include:  Picking up freelance writing jobs Driving for a rideshare company  Performing market research online  Selling handmade goods If you want to lower your debt-to-income ratio, you need to track your income and expenses. This way, you can discipline yourself to stay within your means.  Determine your monthly income. Include your salary, investments, interest income, and any other way that you earn money each month. Determine your monthly expenses. Include everything you pay for every month, such as debt payments, rent/mortgage, utilities, groceries, gas, restaurant, subscriptions, tuition, and anything else. Subtract your monthly expenses from your monthly income. If your income is more than your expenses (and hopefully this is the case), the money that is left is your discretionary income. This can be used toward savings and debt relief. Every month, try to stay within your budget. Finding ways to reduce your expenses every month can give you more money to pay off your debts. Some ways to reduce your expenses include:  Limit how often you eat out. Prep meals at home and bring your own lunch. Be aware of how you use energy at home. Energy efficient lightbulbs, turning down your heat, and keeping things switched off can help reduce energy bills. Unsubscribe from superfluous services, such as magazines or online streaming services. Try using less data on your cellphone and switching to a smaller plan. Maybe consider getting rid of your home phone and using only a cellphone.
Secure a larger salary. Start a side job. Stick to a budget to make sure your debt gets paid. Reduce your expenses so you can put toward your debt.