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  2. Credit counseling: Credit counseling is a free or low-cost option that helps consumers get a better handle on their debt. Often offered by nonprofit organizations or agencies, you’ll be ...

  3. Debt relief: Pros and cons - AOL

    www.aol.com/finance/debt-relief-pros-cons...

    Nonprofit counseling agencies are known to charge lower fees than for-profit agencies, with some offering the services for free. For-profit counseling is offered by debt relief companies and may ...

  4. How to tell if debt settlement is a good idea for you - AOL

    www.aol.com/finance/tell-debt-settlement-good...

    “The education and guidance tailored to address your specific needs is what makes nonprofit credit counseling unique among others offering debt relief.” Debt consolidation. Debt consolidation ...

  5. Best credit counseling services - AOL

    www.aol.com/finance/best-credit-counseling...

    MMI offers free counseling sessions, but you will have an additional charge if you use a debt management plan. It also offers 24/7 counseling access, or you can get started sooner with its online ...

  6. Credit counseling: What to know before signing up - AOL

    www.aol.com/finance/credit-counseling-know...

    Two types of entities typically offer credit counseling services: nonprofit organizations and for-profit debt management companies. The best fit for your needs will depend on your overall goals ...

  7. What are debt relief companies and how do they work? - AOL

    www.aol.com/finance/debt-relief-companies-look-3...

    Certification: Any debt relief company should be backed by the National Foundation for Credit Counseling and the Financial Counseling Association of America. If the company lacks these ...

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