Credit card debt is one of the most common financial burdens in the United States, affecting millions of Americans every year. With interest rates reaching record highs—averaging over 20% APR—balances can quickly spiral out of control if left unmanaged.

The good news? There are proven, practical strategies that can help you reduce debt faster, pay less interest, and regain financial control.

Whether you’re overwhelmed and don’t know where to start, or simply want a smarter plan, here are 10 effective ways to pay off credit card debt.