Debt Management Resources

Managing Debt

Content related to debt - where it comes from and how it can be managed.

eBook: Managing Debt to Improve Your Mental Wealth

Living underneath the burden of debt is a scary place to be. But there are things you can do to manage both your debt and your mental state, improving both in the process.

BLOG: A simple guide to paying off your credit cards

If you’ve been carrying balances on your credit cards you likely know full well how much that debt has been costing you. Getting rid of that debt, however, doesn’t have to be complex.

Are you a compulsive debtor?

Having personal debt is common and needing help repaying debt is not unusual. However, for some consumers, it is possible there may be underlying psychological issues related to debting that should be explored with a trained professional. This quiz may help you understand the extent of your problems with debt.

Signs of a gambling addiction and how to find help

For most gamblers, gambling is a recreational activity that never results in serious problems. For others, excessive gambling becomes an irresistible compulsion and addiction that destroys families, financially and emotionally. Here are som ecrucial signs to watch out for.

Understanding the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act sets important restrictions on the behavior of debt collectors. It's a good idea to educate yourself on these rules so you understand when your rights are being violated.

How Debt Settlement Works

Debt settlement is a popular option for consumers trying to escape their debt. This is how it works and what you need to know.

Understanding Debt Management Plans

Content related to debt management plans - how they work and how to know if one is right for you.

What is Debt Counseling?

Learn what a trained debt and budget counselor can do for you.

What is a Debt Management Plan?

Everything you need to know about the popular nonprofit debt repayment method.

How a Debt Management Plan Works

You can save a lot of money and get out of debt quickly with a debt management plan. Here's how they work. 

Pros and Cons of using a Debt Management Plan

Every debt repayment method comes with pros and cons. Here are the important things to consider before choosing a debt management plan.

How to Get a Debt Management Plan

If a debt management plan sounds good to you, here's how you start.

Debt Management Plan vs. Debt Settlement

A DMP or debt settlement - which is the right debt repayment option for you?

Debt Management Plan vs. Debt Consolidation Loan

A DMP or a debt consolidation loan - which is the right debt repayment option for you?

Ultimate Guide to Creating a DIY Debt Management Plan

Looking to tackle debt all on your own? This guide outlines a path to building your own debt repayment plan and sticking with it.

  • The Consumer Federation of America (CFA) is an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.

  • Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.