Anyone have suggestions for paying off debt? I have a car payment, student loans, and I'm trying to pay off my phone so my phone service bill is lowered! I'm trying to get it all paid off quickly (about 3-4 years sooner than the car, and student loans should be paid off).I'm not worried about the phone as much as student loans and car payment! I just really wanna get out of debt! I'm 22 (I feel I'm too old to ask for help, but I am asking anyways) and in debt about $32,000!