 TITLE: Is Debt Counseling a Good Idea? CONTENT: How Much Does Debt Counseling Cost?\n-----------------------------------\nAs previously mentioned, enrolling in a debt management plan often comes with fees. With that said, there are many nonprofit credit counseling services that offer free initial consultations. These agencies are designed to educate the public about personal finance, which is why they aren't known for charging excessive fees. For-profit services, on the other hand, can be another story. Some may entice you with promises to magically repair your credit in exchange for exorbitant upfront fees—this is a red flag that you're likely getting scammed. Be sure to get price quotes in writing before making a commitment.\nAt the end of the day, debt counseling is meant to strengthen your financial outlook and make your debt feel more manageable. If a debt counseling agency is adding to your financial stress, it's OK to walk away and find another service. It's important to be patient, however, and recognize that while you might not like what a credit counselor has to tell you, they're an unbiased third party with an expertise in personal finance. END