There are a variety of tools and strategies available to help you pay off debt, depending on your individual financial situation and goals. Here are a few examples:

1. Debt repayment calculators: Online debt repayment calculators can help you estimate how long it will take to pay off your debt and how much interest you will pay over time. This can help you create a realistic debt repayment plan and stay motivated to pay off your debt.
2. Debt consolidation: Debt consolidation involves combining multiple debts into a single loan with a lower interest rate. This can help simplify your debt payments and potentially save you money on interest over time. However, it’s important to carefully consider the terms and fees associated with any debt consolidation loan before deciding if it’s right for you.
3. Balance transfer credit cards: Some credit cards offer a low or 0% introductory interest rate on balance transfers for a limited time. This can be a good option if you have high-interest credit card debt and can pay off the balance within the introductory period.
4. Budgeting apps: Budgeting apps can help you track your spending and identify areas where you can cut back to free up extra money to put towards debt repayment.
5. Debt counseling: Debt counseling services can help you create a personalized debt repayment plan and provide support and guidance as you work towards becoming debt-free.

It’s important to remember that no single tool or strategy is a one-size-fits-all solution for debt repayment. It’s important to carefully evaluate your individual financial situation and goals and consider working with a financial advisor or credit counselor to develop a plan that works best for you.