How does credit counseling work? Consumer credit counseling is a great resource with minimal downsides, especially if you’re struggling to stay debt-free or need help achieving your financial goals.

Credit counselors can help you lower your debt, raise your credit and get a grip on your budget. Here's how to find a qualified nonprofit credit counselor.

Credit counseling helps consumers with consumer credit, money management, debt management, and budgeting. One purpose of credit counseling is to help a debtor avoid bankruptcy if they are ...

Debt management programs offer a practical solution for those struggling with unsecured debt. By working with a reputable credit counseling agency, you can consolidate payments, reduce interest ...

Credit counseling is generally a better choice than debt settlement in the following instances, as it can have a less harmful effect on your credit. You’re struggling with payments but keeping ...

Two popular solutions are credit counseling and debt settlement. But it's important to know the difference. As of mid-2024, Americans had $1.1 trillion in credit card debt, according to Lending Tree .

Debt consolidation: If your credit is still in decent shape, you might qualify for a debt consolidation loan, which allows you to roll multiple high-rate debts into one lower-rate loan.

Free nonprofit credit counseling services like NFCC and MMI can help you build a customized plan. As of early 2025, Americans are carrying almost $1.2 trillion in credit card balances.

Case study: Debt counseling for $30,000 in credit card debt. ... While retiring debt-free sounds ideal, what matters most is having manageable monthly payments that fit your retirement income.

A small grant from the City of Medford helped prevent 22 families from becoming homeless last year. The $35,000 pilot program ...

How does credit counseling work? Consumer credit counseling is a great resource with minimal downsides, especially if you’re struggling to stay debt-free or need help achieving your financial goals.