Live below your means, quit getting stuff because "you need it now", quit buying stuff that requires financing, use the left overs to pay debt.... and voila, debt goes away (granted if you have income, bad things happen to good people sometimes)!!
I was dumb on my finances for years, now I cut down my expenses (I could go further too, if need be), learned to budget properly with my wife and making a dent in all of it.
ALSO - It IS an option for everyone ... everyone can at least give this a go instead of just ignoring it for several years when it turns into a bigger problem. If this is what you are doing, congratulations, you won't have to worry about this after 5-10 years, hopefully. hell, even start investing some of that money (after the debts are gone) so when you are OLD, you have NO major worries.