Loans can be a convenient source of financing when you don’t have cash to spare. If you’re in your 20s or early 30s, odds are you may be juggling several different types of loans.

According to a 2016 Gallup poll:

35% of millennials have student loan debt

30% are paying down a car loan

23% have a personal loan

47% are carrying credit card debt

If you fall into any of these categories and are conflicted about whether you are managing your debt effectively, there’s no need to panic. Here are two practical ways to manage your debt so that you can build a brighter financial future.

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