Are there any good strategies you have used to get out of debt? Backstory: I put myself through undergrad and graduate school basically on loans and credit cards. I have student loans and two credit cards left to pay off with what I consider high balances. I have paid off two credit cards completely already. I want to buy a MB, and am waiting until the announcement so that I may buy a refurb at a slightly cheaper price. My iBook is great, but I just need a bit more. However, I find myself wanting to apply for a new credit card to pay for it, and that sends up red flags. I need to get out of debt first. Any strategies that work? I currently pay only the interest on the student loans and try to pay a bit more than the minimum payments on each credit card each month.