So, youve got debt.

It sucks, but youre not alone about 80% of Americans have debt, too.

Youll pay directly to the non profit, who will handle each of your debt payments on your behalf.

This illustration shows a person holding an oversized credit card and a ball and chain around the ankle. This story goes over the differences between debt management and debt consolidation.

Theres no charge and youll likely get reduced or waived charges and fees from your creditors.

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Do you avoid people too?

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That means no new credit cards, no mortgages and no car leases.

That being said, your credit could improve throughout that time (no hard inquiries!)

and you may be able to build up your savings, helping you achieve your financial goals.

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Its a personal loan that lets you combine multiple high-interest debts into a single, lower-interest loan.

Those interest payments could keep you trapped in debt to your credit card company.

This wont put as much of a pause on your financial life as a debt-management plan would.

it’s possible for you to get started on consolidating your debt and lowering your interest payments right now.

A website calledAmOnewants to help.

Youll be left with one bill to pay each month.

Plus: No credit card payment this month.

It takes two minutes tosee if you qualify for up to $50,000 online.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…