Being in debt sucks and can be extremely stressful, however with determination and discipline, there are some simple and effective ways to get out of it. Jumia Travel, the leading online travel agency, shares 4 totally simple ways to get out of debt. Determine the Amount of Debt You Have Rather than ‘bury your head in the sand’, look at the reality of the situation, go through account statements etc. and be sure of how much you owe. If your total debt seems high, just remember that from the day you make up your mind and start paying off your debts, it really can only go down from there.