How to deal with debt when you've already cut back everywhere

TL;DR

After exhausting budget-cutting measures, focus on reducing debt costs or restructuring repayment.
Contact credit card issuers about hardship programs for reduced interest rates, lower payments, or waived fees.
Debt consolidation uses a new, lower-rate loan to pay off multiple debts, simplifying payments.
Debt management plans through credit counseling agencies can secure reduced interest rates and fees.
Debt settlement negotiates with creditors to pay less than the full balance, potentially harming credit.
Bankruptcy is a last resort for debts that cannot realistically be repaid, with long-lasting consequences.

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