With a little dedication and prior planning, it is possible to reduce your debts on your own. Why pay debt counselors and consolidation agencies fees for things you can do yourself? Credit.com shows you the tricks of the trade and the fastest way to reduce your debts on your own.

• Find out how long it will take to become debt free and how much you'll pay in interest by making the minimum monthly payments.
• You can also crunch the numbers using any fixed payment of your choice.
• If you tell us when you'd like to pay off the plastic, we'll tell you what payments you'll have to make to achieve that goal. You might be surprised.