This may seem pretty straightforward, but many people don't realize that borrowing money is the first step to accumulating more debt. So stop doing it!
Becoming debt-free in this method works exceptionally well as long as you have an additional amount of money in your budget to make extra payments.
All you need to do is ask! As long as your repayment history is solid, it would be best if you had an excellent chance of getting better terms.
Balance transfers on credit cards can also be worth exploring if you have a decent credit rating and have started to pay interest on an expired 0% credit card.
It would be best to have everyone involved in the house as a participant in tracking and budgeting steps. Come clean with your partner and friends.