DMP vs Consolidation Loan: Which Actually Saves You More Money?
Debt management plans restructure your existing accounts while consolidation loans create new debt. Here's the real cost breakdown and credit impact of each.
8 min read
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#debt-relief
9 articles
Money Management International Review: Can MMI Really Cut Your Debt Payments?
MMI promises to slash credit card APRs to 6-9% and cut monthly payments. We break down the real costs, timeline, and whether their debt management plan works.
9 min read
NFCC Credit Counseling: Your Free Path Out of Debt Overwhelm
NFCC credit counseling offers free consultations and legitimate debt management plans. Learn costs, what to expect, and how to avoid scams.
8 min read
The Debt Tsunami Method: Pay Off Your Most Emotionally Heavy Debt First
The debt tsunami method prioritizes emotional weight over interest rates. Learn when this alternative to snowball and avalanche works better for your mental health.
10 min read
Running the Debt Snowball When You're Barely Scraping By
The debt snowball still works with just $25-50 extra monthly. Real examples of how to pay off $22k in debt even on a tight budget.
7 min read
Every Major Credit Card Hardship Program Compared (2026 Guide)
Chase, Capital One, Discover, Citi, AmEx, Wells Fargo, and Bank of America hardship programs compared. APR cuts, payment reductions, and enrollment requirements.
9 min read
Debt Settlement: The Real Pros, Cons, and Hidden Tax Hit
Debt settlement can cut your balances by 40-60%, but the credit damage and tax consequences are brutal. Here's what companies won't tell you upfront.
10 min read
Chapter 7 vs Chapter 13 Bankruptcy: Which One Actually Fits Your Situation
Chapter 7 wipes debt in 6 months but has income limits. Chapter 13 takes 5 years but lets you keep assets. Here's how to choose the right bankruptcy type.
10 min read
Car Loan Debt Relief: Refinancing, Surrender, and Underwater Options
Drowning in car loan debt? Learn refinancing strategies, voluntary surrender vs repossession, and how to escape underwater auto loans without destroying your credit.
15 min read