Debt Relief: Options for Managing and Reducing Debt Burdens

Learn how to enroll in a debt management plan, what it costs, how it affects your credit and how to find a reputable nonprofit credit counseling agency.

A debt management plan covers unsecured debts like credit cards, medical bills, and personal loans, not mortgages or auto loans. See exactly what qualifies.

Debt relief timelines range from a few months to several years depending on the method. Here's how long each option takes and what affects your timeline.

Compare the best debt relief companies of 2026. See top picks, fees, minimum debt requirements and how to choose a program that fits your situation.