With a debt management plan, several debts are rolled into one monthly payment under a reduced interest rate, making the debts easier to pay off and saving you money in the long run.

A debt management plan is a tool offered by nonprofit credit counseling agencies to get you on the path to getting and staying out of debt.

Sep 16, 2025 · We’ve compared 25 companies offering debt management plans to find some of the best options. To appear on this list, the service must be widely available in the U.S.

Is financial counseling free? Yes, most of our services, including credit and debt counseling, are free. Some specialized programs, like reverse mortgage or homebuyer assistance, may have a fee.

Jun 17, 2025 · A debt management plan (DMP) is a payment schedule that allows you to consolidate debts into one affordable payment every month and pay down your debt over time, usually over three …

Jan 21, 2026 · Debt Management Programs We work with your creditors to get you debt relief now, in the form of lower interest rates, waived credit card fees and lower credit card monthly payments. …

Feb 26, 2026 · Our ranking here shows debt settlement firms and credit counseling services. Be aware that debt settlement will have severe negative consequences for your credit.

At MMI, we help you do debt differently. Our nonprofit debt management programs are designed to help you get out and stay out of debt.

Looking for a program to manage debt can be overwhelming. Let our list of top debt management companies help you start the journey to controlling your debt.

A better life beyond debt begins here. Take the first step toward freedom from debt—with expert help, proven tools, and a plan made for you.

Apr 11, 2025 · A debt management plan (DMP) is a type of debt relief offered by credit counseling agencies. You’ll repay your entire debt balance at a potentially reduced interest rate or payment …

The Debt Management Program (DMP) consolidates your credit card debt and other unsecured debts into one easy monthly payment. Each payday, you deposit funds into your secure GreenPath …

Nov 13, 2024 · Debt management companies can help you pay off debt within five years or less with a debt management plan. Learn about the best debt management companies here.

Struggling with credit card debt? ACCC's debt management program can help you consolidate your unsecured debts into a single monthly payment.

Freedom Debt Relief is America’s leader in credit card debt relief and debt consolidation to help clients lower their monthly payments without bankruptcy or loans.

A successful debt management program involves serious discussions among consumers, nonprofit credit counseling agencies and creditors to construct a plan that eliminates all debts and steers the …

Jan 21, 2026 · What is a debt management program? Learn how a debt management plan can help you consolidate your bills and pay off your debt.

Dec 9, 2025 · For-profit companies typically offer debt settlement programs to people with significant credit card debt. The companies negotiate with your creditors to let you pay a “settlement,” or lump …

Sep 30, 2025 · A debt management plan often includes agreements by creditors to waive late fees for prior missed payments and also to reduce interest rates on outstanding balances.

Mar 22, 2022 · Your timeline (how quickly you want to get out of debt) How much damage to your credit you’re willing to take Learn the different ways to pay off Credit Card Debt » 5 types of credit card …

Learn more about our powerful debt management and repayment program. Whether you’re starting to struggle making payments, or feeling the weight and frustration of your debt, MMI can help you find …

Jan 21, 2026 · If you need help solving debt problems, the counselor might recommend a debt management program which involves an agency contacting your creditors, consolidating and …

No matter where you are on your debt repayment journey, we have customized debt relief options to save you money, save you time, and get you out of debt for good.

A debt management plan can help you pay off credit card debt by lowering the interest rate and making payments more affordable. Learn how debt management plans work.

Get answers to common questions about managing VA debt from benefit overpayments and copay bills. Learn why you may owe us money and how to check your balance. And find out how to repay your …

Arrearage Management Plan (AMP) If you are enrolled in CARE or FERA, you may be eligible for up to $8,000 in debt forgiveness through AMP.