Chances are you’re in debt, which means you probably want to find a way out of it. In this, you’re not alone. 

Debt, these days, is a shared condition. The average American has $90,000 in debt. 

Fortunately, there are ways to escape debt and achieve financial freedom. You just need to be smart about it. 

Here’s a look at the three intelligent steps to take before you settle on the debt repayment strategy that should work best for you: 

1. Identify your financial situation

2. Identify your financial goals

3. Narrow down your debt repayment strategy options 

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You need to take a loan, but you realize that your credit score determines your borrowing power. Lenders, utility companies, landlords, etc., use your credit score to determine if you can take a loan from them.

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