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Credit Counseling and Debt Management Program

Credit Counseling -VS- Loans

Credit counseling is professional counseling provided by organizations and companies that help consumers find ways to repay their debt through various credit counseling and debt management programs. The repayment of debt is typically done through careful budgeting and management of money. It can also include paying back debt through a structured debt management program. A debt management program (DMP) can help to: reduce your overall monthly debt, save you thousands of dollars in interest and/or late or over the limit fees, stop collection calls and help you map your own course to becoming debt free.

In contrast, a loan is a type of debt. A loan requires the repayment of financial assets over time, between the lender and the borrower. When you are approved for a loan, the lender initially loans the money to the borrower, which the borrower is required to pay back based upon the terms of the loan contract or agreement. A loan is generally offered at a cost, which is called interest.

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