Many people are dealing with overwhelming debt and some feel like there's no solution in sight.
But experts say there are some alternatives that you might not have thought about.
If you're trying to pay off large balances that may have shown up as a red flag on your credit score, using things like your home or car as leverage could help pay the bills.
Experts say a home equity line of credit could be the leverage your looking for when trying to come up with money.
"For home owners you can get an equity line of credit to pay off some of the debts and that equity line of credit could give you a lot better interest rates. They have some really great interest rates right now," said We Are Alliance Owner Cassandra Miller.
Experts say lowering your interest rates could mean lower payments for your mortgage each month.