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Next, examine your budget and reallocate any discretionary funds to make larger payments (rather than the minimum payment) to decrease that debt quickly. You pay the bank more and more in interest payments the longer you maintain that balance. The more money you pay them in interest, the less money you have available to pay off that balance. And the sooner you pay off that balance, the less interest you pay in the long run. If you use many credit cards currently, try to merge the balances of several cards onto the credit card with the lowest interest rate.