Credit Counseling

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Table Of Contents

What is Credit Counseling 

If you are struggling to navigate your financial challenges and take control of your debt, Credit counseling can be a valuable service for you to consider. DebtMD gives you access to professional counselors that will work with you to understand your financial situation, including your financial goals. With a clearer picture of where you are today and where you want to be, our partners develop a tailored debt management plan to help you take control of your financial health. You will also receive the education you need to develop the good habits that promote financial wellness. 

Demystify Credit counseling

Credit counseling is a valuable service that provides personalized advice, financial education, and often, a tailored debt management plan. Ultimately, credit counseling is a supportive service aimed at empowering you to make informed financial decisions and work towards a debt-free future.

Take the long term view

Credit counseling isn't just about finding a quick fix to your debt challenges. It’s about taking a long-term view and  developing the habits necessary to repair your credit and improve your overall financial health. With the guidance of a professional credit counselor you will have the tools and knowledge necessary to make informed money decisions. 

Pros and Cons of Credit Counseling


  • Personalized Advice: Credit counselors provide personalized guidance designed to meet your needs and fulfill your personal goals
  • Debt Management Plans: Professional Credit Counselors often help create debt management plans that often feature ways to lower your interest rates.  
  • Financial Education: Credit Counseling typically includes financial education, empowering you to make informed decisions that take you out of debt and towards financial freedom.
  • Creditor Negotiation: Credit Counselors are also great negotiators who can fight with your creditors on your behalf, to waive fees or lower interest rates, for example.


  • Potential Fees: While many agencies offer free counseling sessions, some may charge a fee for their service. 
  • Impact on Credit: Credit counseling often involves setting up a debt management plan, which is often reflected on your credit. 
  • Commitment Required: The solutions prescribed by your credit counselor may involve some  difficult lifestyle changes to ensure that you stay on track and stay the course. 
  • No Immediate Fix: Credit counseling is not a quick fix. It takes time and requires not only patience but discipline. 

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