These methods are appropriate for people with moderate incomes and fair to good credit scores who simply want to pay off their debt more quickly and save money by paying less in interest charges. If you choose to make extra payments, your credit score will go up more quickly as your debts are paid off. The next few lessons describe more drastic approaches you can take if you don’t feel like you can do it alone. Answer the following questions to make sure you fully understand your do it yourself options before moving onto the next lesson.