Getting out of debt when you have a low income can be difficult. You might feel like you’re not making any progress, no matter how hard you try.   Although it can take time to become debt-free, you can take steps to achieve your goal. The following strategies can help.   Write Down Your Debts Make a list of your debts , including the following information for each: Current balance Monthly payment Interest rate Remaining loan repayment term   The details of your debt load help