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You might find credit counselors by contacting your credit union, local housing authority, military base, or university. You can also ask for suggestions from family or friends. Ask for a description of services before signing up with a counselor. Talk to your counselor about ways you can consolidate your debt. This process involves totaling up the sum of your debts and taking out a loan to pay all of them off at once. By doing this, you will only have 1 monthly payment. You might try to get a personal loan from a credit union or bank. You might roll your debts onto a credit card using a balance transfer. You might try to get a secured loan, such as a Home Equity Line of Credit (HELOC). . Through your credit counselor, you may be able to enroll in a debt management plan. A debt management plan means that you pay your credit counselor 1 monthly fee, and they distribute that money to the various creditors you owe. In a debt management plan, your counselor will negotiate with your creditors to get the best interest rate possible. It can take multiple years to complete a debt management plan. During this time, you must make regular monthly payments. If you miss payments, your creditors can choose to discontinue the plan.
Look for a credit counselor. Discuss debt consolidation. Ask about debt management plans