I am in over $40,000 worth of debt. How can I get out of it?

We hit the loan which is the diminutive over ,000 as substantially as about5 ,000 upon assign cards. We longed for to do a single of those assign conversing services though we consider they commonly assistance we if we hit been in alive assign label debt as substantially as hit been seductiveness rates upon the assign cards hit been 0 percent. What should we do?