There are several ways to accelerate your repayment. First, consider making more than the minimum payment on your debts, if at all possible. If you make only the minimum payments, over time, interest will accumulate at a rate faster than you can pay down. Second, focus on your high-interest debts first, as these are the accounts that will become the most costly if left unaddressed. Third and finally, reach out to your creditors to see if they are amenable to working with you. In some cases, creditors are simply happy to collect as much as they can on an account even if full repayment is unlikely. As such, you may be able to request a reduction in your interest rate, a more favorable repayment time frame, or in some cases, even forgiveness of a portion of your debt.