 TITLE: How to Pay Off Debt in Retirement CONTENT: Get Help Through Credit Counseling\n----------------------------------\nWhat if you've considered all your options and still aren't sure how to get out of debt? Nonprofit credit counseling agencies offer free or low-cost services from certified counselors who can help you create a budget and develop a plan to pay down debt. They can even negotiate with creditors on your behalf to reduce interest rates or waive fees as part of a debt management plan.\nTo find a reputable credit counselor, look for one that belongs to a certification organization such as the National Foundation for Credit Counseling or Financial Counseling Association of America, or check out the U.S. Department of Justice's list of approved credit counselors by state. END