Me I no go lie, being in debt as a student na real wahala. Especially when allowance no dey and you dey owe food vendor, roommate and maybe one or two loan apps. But you fit come out of am. I did. Here’s what I did and what works:

1. List everything you owe – Even if na ₦500 or ₦100k. Write the person, the amount and due date. It clears your head.

2. Start with small ones – Pay the smallest debts first. E go give you small confidence and reduce pressure.

3. Talk to who you owe – Some go understand if you explain. Tell them say you go pay part now and balance later.

4. Monetize anything – I started writing assignments for people and editing CVs for ₦1,000 each. You fit bake, braid hair, design flyers or even be class rep and dey collect small tips.

5. Pause borrowing – No more new loans till you settle at least 70% of what you owe.

6. Track how you spend – Most of us dey waste ₦500 here and there. Reduce eating out, impulsive data buying, or too much chilling.

Debt na mindset too. Once you begin to handle it small small, everything go balance. I moved from owing 5 people to being owed by others. You too fit do am. Just start.