{"id":2285,"date":"2024-01-13T10:00:00","date_gmt":"2024-01-13T10:00:00","guid":{"rendered":"https:\/\/www.lendnation.com\/blog\/article\/top-10-money-saving-hacks-to-try-in-2024-copy\/"},"modified":"2025-12-19T15:26:19","modified_gmt":"2025-12-19T15:26:19","slug":"debt-101-how-to-reduce-your-debt","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/debt-101-how-to-reduce-your-debt\/","title":{"rendered":"Debt 101: How to Reduce Your Debt"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2024-01-13T10:00:00+00:00\">January, 2024<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Debt 101: How to Reduce Your Debt<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"680\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"debt 101: use these helpful tips to reduce your debts\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg 3800w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?resize=300,199 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?resize=768,510 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?resize=1024,680 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?resize=1536,1019 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2024\/01\/how-to-reduce-your-debt-lendnation.jpg?resize=2048,1359 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-helpful-ways-to-reduce-or-eliminate-debt\">Helpful Ways to Reduce or Eliminate Debt\u00a0<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quick-answer\">Quick Answer<\/h3>\n\n\n\n<p>\u00a0Debt can build up fast, especially when expenses rise or income drops. A clear plan helps you stay organized and makes repayment feel manageable. Use the tips below to simplify your budget, track payments, and stick to progress one step at a time.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tips-to-reduce-credit-card-debt\">Tips to Reduce Credit Card Debt\u00a0<\/h3>\n\n\n\n<p>As you may know, not all debt is the same, and everyone\u2019s situation is unique. So, let\u2019s talk about how to reduce credit card debt specifically.&nbsp;<\/p>\n\n\n\n<p><strong>Start with these 3 moves:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transfer to a 0% intro card (12\u201321 months)\n<ul class=\"wp-block-list\">\n<li>Pay $0 interest while you lower the balance.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Overpay every month<strong> <\/strong>\u2014 even $25 extra.\n<ul class=\"wp-block-list\">\n<li>Cuts interest by hundreds and shortens payoff by years.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Call your issuer and ask for a lower rate.\n<ul class=\"wp-block-list\">\n<li>70% succeed (avg. 4\u20136% drop) <em>\u2014<\/em><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-negotiate-a-lower-interest-rate-on-my-credit-card\/\"><em>Experian<\/em><\/a><em>.<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>If you do not qualify for a 0% interest offer, then you should overpay as much as possible on every monthly payment. This will reduce the interest you pay over the life of your loan, which can result in hundreds of dollars or more in savings, reduce your minimum monthly payments, and shorten the length of repayment. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-reduce-medical-debt\">How to Reduce Medical Debt\u00a0<\/h3>\n\n\n\n<p>Medical debt can be a huge burden for many people. It can create stress and pressure that feels never-ending. Fortunately, there are several ways to reduce medical debt and get back on your feet financially.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>3 proven steps:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Call billing before you\u2019re late<\/strong>\n<ul class=\"wp-block-list\">\n<li>Ask for hardship programs or reduced balances. Many hospitals cut 20\u2013100%.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Apply for <\/strong><a href=\"https:\/\/www.peoplekeep.com\/blog\/the-secret-to-negotiating-lower-medical-bills\"><strong>financial aid<\/strong><\/a><strong>.<\/strong>\n<ul class=\"wp-block-list\">\n<li>Nonprofits and hospitals cover ER or hospital stays. Often income-based and free.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Set up 0% payment plans.<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fixed monthly payments. No interest. Avoid collections.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>For more information on this topic, take a look at this helpful <a href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-out-of-medical-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">blog article<\/a> that is fully devoted to the topic of reducing medical debt.&nbsp;<\/p>\n\n\n\n<p>Need cash to settle fast? <a href=\"https:\/\/app.lendnation.com\/MyAccount\/registration\">Apply in minutes<\/a> at LendNation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-negotiate-with-creditors-to-reduce-your-debt\">How to Negotiate with Creditors to Reduce Your Debt\u00a0<\/h3>\n\n\n\n<p>Another method often overlooked by borrowers is negotiating with creditors to reduce the debt you owe. Many creditors would rather negotiate a lower amount owed or lower monthly payments than have you miss payments or pay creditors to contact you with legal demands.&nbsp;<\/p>\n\n\n\n<p><strong>5 proven steps to negotiate debt successfully:<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-confirm-it-s-right-for-you\">Confirm it\u2019s right for you.<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debt settlement lowers your credit score (100+ points for 2\u20133 years). Only use it if you\u2019re 90+ days behind and can\u2019t pay minimums. Check your score first (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-debt-settlement-en-1457\/\">CFPB<\/a>). However, defaulting on a loan and not paying it back will decrease your credit score more than a debt settlement agreement<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-build-a-realistic-budget-first\">Build a realistic budget first.<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use a free tool like Mint or a spreadsheet. Know exactly what you can pay monthly or as a lump sum. Example: $5,000 debt \u2192 offer $2,500 cash or $200\/mo.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-know-your-legal-rights\">Know your legal rights. <\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/fair-debt-collection-practices-act-text\">Fair Debt Collection Practices Act (FDCPA)<\/a> bans harassment, false threats, and calls before 8 a.m. Read it. You can demand communication in writing only.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-prepare-a-strong-script\">Prepare a strong script. <\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Write:\n<ul class=\"wp-block-list\">\n<li>Hardship (job loss, medical bills)<\/li>\n\n\n\n<li>Offer amount<\/li>\n\n\n\n<li>Request written agreement Take detailed notes.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-stay-calm-polite-and-persistent\">Stay calm, polite and persistent. <\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The rep wants a deal. Ask for a supervisor if you are denied for some reason. <a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/how-to-negotiate-your-credit-card-interest-rate\/\">70% of callers succeed in negotiating lower rates<\/a>. Always get the final deal in writing before paying.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-where-to-find-loans-to-get-rid-of-old-debt\">Where to Find Loans to Get Rid of Old Debt\u00a0<\/h3>\n\n\n\n<p>While we know it\u2019s important to reduce your debt, we also understand that sometimes you just need a loan to help with an unexpected situation.&nbsp;<\/p>\n\n\n\n<p>At LendNation, we offer a variety of <a href=\"https:\/\/www.lendnation.com\/services\/short-term-loans\/\">short-term loans<\/a> to help you get through the stress of an unexpected expense. No matter what your debt situation is, LendNation can help you determine if one of our loan options is right for you.\u00a0\u00a0<\/p>\n\n\n\n<p>If you want to learn more about debt reduction tips and strategies, check out our <a href=\"https:\/\/www.lendnation.com\/blog\/\" target=\"_blank\" rel=\"noreferrer noopener\">library of helpful resources<\/a>. &nbsp;<\/p>\n\n\n\n<p><strong>Resources:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.tiaa.org\/public\/learn\/retirement-planning-and-beyond\/managing-your-money\/seven-steps-to-more-effectively-manage-and-reduce-your-debt\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.tiaa.org\/public\/learn\/retirement-planning-and-beyond\/managing-your-money\/seven-steps-to-more-effectively-manage-and-reduce-your-debt<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/pay-off-debt\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.nerdwallet.com\/article\/finance\/pay-off-debt<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendingtree.com\/debt-consolidation\/what-is-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.lendingtree.com\/debt-consolidation\/what-is-debt\/<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-out-of-medical-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.lendnation.com\/blog\/article\/getting-out-of-medical-debt\/<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/financial-topics-to-discuss-as-a-couple\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.lendnation.com\/blog\/article\/financial-topics-to-discuss-as-a-couple\/<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.credit.com\/blog\/tips-for-negotiating-with-creditors\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.credit.com\/blog\/tips-for-negotiating-with-creditors\/<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" id=\"h-explore-related-posts\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11478 post type-post status-publish format-standard has-post-thumbnail hentry category-money-management tag-build-emergency-fund tag-emergency-savings-fund tag-instant-debit-card-funding tag-start-emergency-savings\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Build Savings for Financial Emergencies<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-26T17:30:57+00:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person putting cash into emergency fund savings jar while reviewing budget and financial planning documents\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg 8192w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=2048,1366 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-build-savings-for-financial-emergencies\/\" target=\"_self\" >How to Build Savings for Financial Emergencies<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"wp-block-post post-11040 post type-post status-publish format-standard has-post-thumbnail hentry category-money-management tag-christmas-loans tag-payday-loans-for-holidays tag-short-term-holiday-cash tag-title-loans-for-christmas\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Top 5 Ways to Use Holiday Loans<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2025-12-11T14:20:05+00:00\">December, 2025<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"635\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Shopper reviewing a simple holiday budget and small loan options on a phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg 6006w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=300,186 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=768,476 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1024,635 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1536,952 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=2048,1270 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/top-5-ways-customers-use-holiday-loans\/\" target=\"_self\" >Top 5 Ways to Use Holiday Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Tired of being in debt? Debt continues to rise in America, and this is the blog you need to read for how to reduce your debt.<\/p>\n","protected":false},"author":18,"featured_media":2295,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[38],"tags":[152,154,153],"class_list":["post-2285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","tag-debt-101","tag-eliminate-debt","tag-reduce-debt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Debt 101: How to Reduce Your Debt - LendNation<\/title>\n<meta name=\"description\" content=\"Tired of being in debt? Debt continues to rise in America, and this is the blog you need to read for how to reduce your debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/debt-101-how-to-reduce-your-debt\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt 101: How to Reduce Your Debt\" \/>\n<meta property=\"og:description\" content=\"Tired of being in debt? 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