Plus, you might find that while you're always making payments, your debt isn't actually going down.

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If you’ve got mountains of debt piling up, it can be all-too-easy to throw your hands in the air and turn a blind eye to burgeoning balances.

But, remember, ignoring your debts won’t make them go away and, moreover, there are ways to get out of the red.

Also be aware of the temptation of the "Buy Now Pay Later" offers - make sure the funds are available to pay that bill before it is due.

The interest charged on these types of offers is usually quite high, and if you don't pay it off, in full, by the due date, you may owe the interest from the time of the initial purchase.

There's credit cards, store cards, car loans and lines of credit...

And because each one has a different due date, minimum payment, and interest rate, it doesn't take long to feel like your debt is a little beyond your control.While both options involve combining multiple loans into one, private loan consolidation is generally referred to as refinancing.This is because you’ll finance the new student loan based on a variety of factors, including your income, debts, employment and credit.All of a sudden that couch could almost be double the price!If you are feeling overwhelmed with debt, or just need a helping hand to learn how to manage debt we are here to help. Tara - Branch Manager Many of us have debt in a number of different places.Dealing with long-term debt can be difficult, but having a strategy and tools can help.