Three ways to make your debts more manageable

If you've got a pile of debt - and you can't afford to pay it off - you may be starting to panic a bit.

This is particularly true if you're being charged a high rate of interest, because you may spend all your time struggling to stay in one place: You make repayment after repayment, but - because each one is only just clearing the interest - your debt never seems to get any smaller. If this sounds familiar, don't panic. Here are three things you can do to make a big, scary debt more manageable...