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WebApr 10, 2024 · Lowering your interest rate. Making your payments more manageable. Shortening the time it takes to pay off your debt. You might be able to use a balance transfer credit card or a debt ... WebJan 20, 2024 · Squawkfox Debt-Reduction Spreadsheet . The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this downloadable Debt Reduction Spreadsheet.. Start by entering your creditors, current balance, interest rates, and monthly payments to see your current total debt, … WebJan 29, 2024 · The process of funding an escrow account large enough to enable the debt settlement company to make an attention-getting offer to your creditors typically takes 36 … sherly devonne