Do you know you can pay your debt using the cryptocurrency? A lot of people advise you to HODL and wait for things. However instead of hodling, just convert your crypto into FIAT and then if you have debt or real estate need or anything you can then pay it off using crypto. You can use bitcoin cash (BCH) or ETH or BTC for this purpose. If you are using steem or HIVE or even TRX, you can convert those altcoins to the top performing coins and then convert to the local currency. So don't hold back, pay your debt and become debt free. Do not miss this chance of converting your hard work to something that would help you years ahead. I am following this plan and I assume it would work for many others too.