Today, most people carry some amount of debt. This may include student loans, personal loans, or credit card bills. And sometimes it may be challenging to prioritize these debts over other everyday expenses. But making a plan to manage your payments and balances can help you take control of your finances. These nine tips may help you take steps toward managing your debt and improving your credit—which means you may be on your way toward maintaining healthy financial habits that pay off in the long run. This is how empowered becomes Empowerful.