Mississippi residents like you only need to suffer from one medical emergency to potentially find yourself in medical debt. Once you’re in that situation, getting out of it again can be tough, but it’s still possible.

Credit Karma showcases a few of the many different ways to handle medical debt, citing some benefits and drawbacks for them. For example, paying off medical debt with a credit card is often considered a poor choice due to the interest that will accumulate if you aren’t able to pay the bill off fully in the same cycle.

Negotiating with a hospital is one option that isn’t usually considered. Some hospitals have charity programs which help people to pay off their medical bills. In other instances, it’s simply less hassle for a hospital to renegotiate pricing with you than it is to send your case off to a collection agency. They will most likely suffer from financial losses if they do that, so negotiating new payments could result in less of a net loss for them in the end.

They also suggest that you scrutinize your bill carefully before you begin paying it off. Everyone makes mistakes, including the billing office of your local hospital. Are all of the charges accurate? Did you get a double charge for anything? Make sure that the expenses line up with what you received in terms of medical care and treatment.

Of course, filing for bankruptcy is also an option in a situation where nothing else is feasible. Take the time to monitor your situation carefully and be honest when you’re determining what would work the best for you.