<human>:  Help me make a plan to get out of debt.
<bot>: Step 1: Calculate how much debt you owe.Step 2: Identify areas to cut back on spending.Step 3: Create a budget.Step 4: Pay more than the minimum due on each debt.Step 5: Consider talking to your creditors about setting up a payment plan.Step 6: Consider consolidating debts into one loan with a lower interest rate.Step 7: If you have access to extra money, use it to pay off the highest interest rate debt first.Step 8: Consider talking to a financial advisor for additional advice.Step 9: Celebrate when you are debt-free!