 TITLE: How Long Does It Take to Rebuild Credit? CONTENT: How to Get Extra Help With Your Credit and Debt\n-----------------------------------------------\nRebuilding your credit is going to be impossible if you have trouble affording your bills and find yourself missing debt payments regularly. Figuring out ways to cut expenses and save money can help. However, when you're deep in debt and interest keeps piling on, you may need a helping hand.\nNonprofit credit counseling agencies offer free and low-cost services like budget planning, and assistance with specific types of debt, such as student loans and mortgages. Many also offer debt management plans (DMPs), which could be a good option if you're having trouble with unsecured debts, including credit cards.\nIf a DMP makes sense, your counselor can negotiate with your creditors to try and get you lower monthly payments, decreased interest rates and waived fees. They may even be able to bring past-due accounts current so you can make on-time payments without having to pay off your entire outstanding balance. Once you're on a DMP, you'll make one monthly payment to the credit counseling agency, which will divvy up the money and pay your creditors. END