When you are staring at a mountain of debt it can feel like you are at the starting line of a marathon and the finish line looks impossibly far away… But, just like when you embark on a marathon, you take one step at a time. The first step is always the hardest. But once you take that first step, then the second step and so forth you will start to get into the routine, and you will be well on your path to pay off that unwanted debt.