Achieve Financial Freedom with a Debt Management Program

Reduce interest rates, consolidate payments, and pay off debt faster with a structured debt management program designed specifically for your financial goals. By assessing your debt-to-income ratio, our counselors can understand your debt and create a debt relief plan that works for you.
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Benefits of a Debt Management Program

Lower Interest Rates and One Simple Monthly Payment

Clients struggling with multiple high-interest debts gain relief with a single, manageable payment. A DMP negotiates lower rates so your money goes toward actually reducing debt.

Avoid Missing Payments and Stop Collection Calls

When juggling due dates feels impossible, a DMP helps you stay on track. You’ll avoid late fees, stop harassment from collectors, and feel more in control of your monthly budget.

Get a Clear Path Out of Debt With Expert Support

No more guessing what to do next. Our certified counselors build a step-by-step plan with you, offering personal support, encouragement, and structure so you can rebuild with confidence.

Say Goodbye to Debt
and Hello Debt-Free Life

Debt Settleme… (2)-min

Understand Your Debt,
Take Control of Your Debt

With our nonprofit debt management plan, you can consolidate high-interest debts like credit cards, personal loans, and medical bills into one payment. We negotiate lower rates, making debt repayment easier and helping you move closer to financial freedom.

Lower Your Payments,
Become Debt Free Sooner

With our nonprofit debt management program, you can consolidate high-interest debts into one manageable payment. We negotiate with creditors to lower rates, making it easier to pay down debt and move closer to a debt-free life.

Build Financial Skills,
Live a Debt-Free Future,

Our debt management plans include educational tools to help you create strong financial habits. From budgeting techniques to tips on managing expenses, you’ll be empowered to maintain financial stability long after your debt is paid off.
Schedule Your Debt Appointment800-431-8157

Step-by-Step
Debt Management Program Process

Step 1:

Start with a Free
Debt Management Consultation

Meet with a certified counselor to analyze your debt-to-income ratio and monthly obligations. We assess your eligibility for a DMP, explaining how it consolidates your debts without requiring a new loan.
Step 2:

In-Depth Debt Review and Consolidation Options

Our counselors review each debt’s balance, interest rate, and due dates. Through a DMP, we negotiate lower interest rates and waive fees, allowing you to replace multiple payments with a single, lower monthly payment.
Step 3:

Receive a Custom Debt Management Plan

We build a personalized DMP that consolidates your debts. The plan arranges a fixed monthly payment to creditors at reduced rates, helping you save on interest and accelerate debt reduction within a clear timeline.
Step 4:

Equip Yourself with Tools for Long-Term Success

Our DMP includes ongoing support to help you manage finances independently and stay on track after completing the program. Receive budgeting resources and financial education to build a lasting deb-free life.

See How We’ve Helped Clients Overcome Debt

Our debt management program has empowered thousands to reduce debt, improve credit, and regain control of their finances.
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Financial Tools Made
to Help You Manage Debt

Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
Explore Our Resources

Debt Management Program FAQ's

What Is a Debt Management Plan (DMP)?

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A DMP helps you repay debt with one monthly payment. We handle creditor calls, and many lenders reduce fees or rates to support your success and help you become debt-free faster.

Will a DMP Affect My Credit Score?

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A DMP itself doesn’t directly impact your score, but creditors may report reduced payments. Over time, repaying debt in full can improve your credit health overall.

Can I Include Only Certain Debts in My DMP?

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No. All eligible unsecured debts must be included and treated equally to ensure fair repayment terms and full creditor participation in the program.

Can I Keep Credit Cards While on the DMP?

*Hover over for answer
No. All credit lines must be closed. Rare exceptions may apply for one business card. After completing your plan, creditors often welcome you back.

Dive Into Our Debt Blogs for Deeper Insights

When should you consider a Debt Management Plan?

What Is a Debt Management Plan and How Can it Help You?

The Impact of a Debt Management Plan on Your Credit Score

Read more debt blogs
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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