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2. What nonprofit debt consolidation is and how it works

   www.aol.com/finance/nonprofit-debt-consolidation...

   Less impact on your credit score compared to a for-profit debt relief service. Lower cost than for-profit debt relief. More manageable payment schedules. No need to apply for a debt consolidation loan

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. Nonprofit Debt Consolidation: Is It Right for You?

   www.aol.com/nonprofit-debt-consolidation...

   Nonprofit debt consolidation may not even be available to everyone. Though it may seem like a cruel reality, approval for debt consolidation programs relies on the same range of factors credit ...

5. Money Management International - Wikipedia

   en.wikipedia.org/wiki/Money_Management_International

   Money Management International (MMI) is a United States non-profit that provides consumers with free credit counseling and education. [5] [6] [7] In about 25 percent of its consultations, it helps consumers develop a debt management or repayment plan. [5] MMI is funded primarily by creditors. [6]

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

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

   Debt relief companies are for-profit institutions that help you manage and pay down your debts. Depending on the company and what services are offered, they may work with creditors to help you get ...

7. Credit counseling - Wikipedia

   en.wikipedia.org/wiki/Credit_counseling

   Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.

8. What is debt management? - AOL

   www.aol.com/finance/debt-management-202149646.html

   The main goal of any debt management plan is to advance you toward becoming debt free. This could be through any combination of the following: ... both nonprofit and for-profit credit counselors ...

9. Alternatives to debt relief - AOL

   www.aol.com/finance/alternatives-debt-relief...

   Credit counseling comes in the form of both for- and nonprofit agencies. If possible, avoid turning to a for-profit credit counseling company first, as these are basically another form of debt ...