Jumpin Down

It is not an option to jump down from debt to non debt. You have to evolve into being nondebt. Therefore, prepare for the struggle because you're going to do it. You will not spend another dime beyond your means. When you do spend, you will only have one option. That being you do not spend all your means, but save them too. In doing so, you can begin to repay your debt.

You can figure out the technicalities of how exactly repayment is to be done. We have not a clue as to what your exact financial situation is. Therefore, evaluate your situation and do get in touch with your creditors. Perhaps you can negotiate a settlement. Always be polite and sincere in the matter. They want to help you, but you also have to be responsible with your spending and savings.