When you need debt help it is natural to look for free help, such as; free credit counseling services. It is easy to confuse nonprofit with free. There are many nonprofit credit counseling services, but I have never come across a free credit counseling service. They may not have to make a profit, but they do have to pay expenses.
Credit counseling can actually be quite inexpensive when you look at the big picture. Considering your interest rates will most likely be reduced to less than 10% and some may actually be eliminated, you will be saving hundreds of dollars. If you have a lot of debt, your savings could be in the thousands of dollars.
I think one of the biggest benefits of being enrolled in credit counseling is the convenience of having to make only one payment. Through debt counseling your debts are consolidated, but not with a loan.
It is a huge relief when you get a debt management plan in place for paying your debt and the collection calls stop. The important things is that you are able to meet the terms of your agreement. Just doing this can help keep your credit in good shape. There is no reason to struggle with debt, you do have options. Even if there are no free credit counseling services.