Paying down debt isn’t easy. In fact, Business Insider reports the average American has $59,580 in debt, which includes mortgages, auto loans, student loans, and credit card debt. And most of us know all too well that paying it off isn’t the easiest task. However, this is where financial educator and Much Founder Carmen Perez comes in. According to her company’s website, she was swimming in a pool of $57,000 in debt, but today she is debt-free. Plus, she accomplished the feat in less than three years. Here are some of her tips.