One of the main things you need to bear in mind when starting a debt management plan is that you still have to pay all of your debt.
The total time it takes to pay off your debt will depend on the amount that you pay back each month. For this reason, the key to making the plan work is to ensure that you are paying as much as you can afford based on your income and reasonable living expenses.
Money is never enough for most people. But, we have to plan a budget so that we do not overspend and cause ourselves to trap into a debt problem.