No one likes being in debt, and that’s why people will do just about anything to get out of it. But as a recent article from pointed out, there are some plans for getting out of debt that do more harm than good.

Here are three unwise strategies for getting out of debt that you should be sure to avoid:

1. Borrowing money from your 401(k).

It may seem like a good idea to “borrow” money from your 401(k) or other investment vehicles in order to pay down some of your debts, but this plan usually backfires. For one, you retirement account isn’t like your savings account because you have to pay it back with interest.

Additionally, if you leave your place of employment, you’ll have to pay it all back in full. You may also face tax consequences and a decrease in your take-home pay.

2. Taking out a home equity loan.

Some people are convinced into taking out a home equity loan because it comes with a lower interest rate than their credit card debt. However, borrowing money against the equity of your home without making sure that your spending habits in check can put your house in jeopardy. Facing foreclosure on top of debt is not something that you want to do.

3. Trying to consolidate debt with a new credit card.

Many credit card companies attempt to lure people in by offering a low introductory rate on a new credit card. But it doesn’t take long before that rate wears off and your debt problem is even worse than before, especially if you have not addressed the problems that are causing you to get into debt in the first place.

So what is the best way to handle debt?

The best way to get out of debt is to work with a professional who can help you deal with your debt while also addressing the source of your debt problems. Keep reading for more information on tried-and-true debt solutions.