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Our certified credit counselors will only recommend a debt management program if it is the best debt solution to use in your situation. So, while we provided free credit counseling to. Compare loan options for reducing debt. The debt avalanche method is similar to the debt snowball method, but the difference with the debt avalanche is that you order your debts by their interest rate. These programs are offered by nonprofit credit counseling agencies, who work with credit card companies to arrive at a lower, more affordable monthly payment for you.

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