Debt is like quicksand as more you struggle, further you keep drowning inside it. However, the difference between quicksand and debt is that you can pull yourself out of debt if you follow some rules. Of course there are ways to get your debt reduced but for that you have to be disciplined.
First of all, you will have to make a list of your debtors and lost them according to the amount you them. Try to save your money and clear off with the biggest amount at first. This will boost your confidence as you move on to the next big amount. You have to accept the fact that till the time you are free of debt, you are not supposed to indulge in luxury. Therefore, even if the world thinks you are miser, you have to practice being one. Management of your personal finances will play a key role when you are trying to get your debt reduced.