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Paying off debt quickly has to be approached with a strategic approach of disciplined financial habits, and by organizing your debts which has to do with listing and by interest rate and balance, hence prioritizing over paying off high-interest debt first, is always often and as much as the "avalanche method," which reduce that of the total interest paid over time, and the use of the "snowball method," which focuses on smaller debts first has to do with building the momentum as you clear them.
Hence creating a budget that allocates extra funds toward debt repayment, has to do with cutting unnecessary expenses and also redirecting those savings to the debt enhances progress, and by considering all this by making bi-weekly payments over that of the monthly, can as much result in an extra payment each year.
Therefore, if possible over increasing the income just by taking on a side job or even selling unused items, and by directing all this additional income toward your debt and avoiding accumulating new debt through using credit cards focused on living within your means.
Am @kingworld-line
