A debt management program is an outstanding tool for many people. For other people, it may not work too well. Because your debt is different from the next persons, you need to find the best way to pay it off yourself. There are actually many ways that you can do this, but the ultimate goal you have is to work with a failsafe debt management plan that will get you out of debt within a few months to a few years. With the right program, this is very much possible.