"The rich rules over the poor, and the borrower is servant to the lender" (Proverbs 22:7) Taking loans are essential in to-days world and there is nothing wrong in it. However, being encaged in a debt trap is really debilitating experience, both mentally as well as financially. Planning your debt commitments is necessary. Despite this some people always find them in a bind and contract debts more than their capacities. Naturally, they make their life difficult and become victims of their bad decisions and perhaps unfortunate circumstances. If a person lands him/her in this situation, cool thinking and planning is required, and Plan your way out of debt is for them, as also for all those who would like to avoid such an unpleasant situation.