Take your “financial temperature”
Every once in a while, it is a good idea to take a closer look at your current debt situation. That way you can take the temperature, so to speak, of your current financial situation. A good place to start is to create a list with all your existing loans/debts and beside each to write the current interest rate, balance outstanding, and current payment arrangements, if any.
You may be surprised at how much debt you have taken on without your noticing it piling up. By checking in once in a while, you will be better equipped to handle your debt before it becomes too burdensome.