Balancing you loans and your debt is a difficult and it's easy to get behind on debt loans. Assess your debt situation and make some changes to move forward. Often the decisions can be tough. You may need to downsize your apartment or condo or find a roommate. You may need to trade in your expensive car for one that is more economical. You may need to change your shopping or dining habits help balance debt situation. First, order a copy of your credit report and compile a list of your debts and your monthly payments. Spending is like any addiction – you need to acknowledge the problem and then you can start on your way to recovery.