How do I pay off debt faster on a low income?

Focus on the avalanche method: list all debts by interest rate and throw every extra dollar at the highest-rate debt first while paying minimums on the rest. This saves the most money over time. If motivation is an issue, the snowball method targets smallest balances first for quick wins. On a low income, finding extra money matters most. Sell unused items, pick up gig work like delivery or freelancing, and cut any subscription you can live without. Put tax refunds and any windfalls directly toward debt. Even an extra 20 to 50 dollars a month accelerates payoff significantly. Also call creditors to negotiate lower interest rates, as many will agree especially if you have a decent payment history.