 TITLE: How to Pay Off Credit Card Debt When You’re Short on Cash CONTENT: Consider Nonprofit Credit Counseling and Financial Assistance\n-------------------------------------------------------------\nThere are many ways to get help developing a credit card payoff strategy. With assistance from reputable financial experts, you might be able to identify your best budgeting method, learn about how to negotiate with creditors or apply for economic hardship programs to lower some of your bills.\nA good place to start is a nonprofit credit counseling agency. These organizations offer free initial consultations to anyone who needs basic help budgeting or exploring debt reduction options. They can help you view your situation holistically alongside other debt you may have, such as student loans or a mortgage. The counseling agency could also get you on a debt management plan, which is a paid service that aims to reduce your credit card debt. Debt management plans aren't right for everyone, though—more on that later. Find a local credit counselor through a national network like the National Foundation for Credit Counseling.\nIf you find that paying off debt is hard because you struggle to even pay your monthly bills like rent and utilities, financial assistance is available through local, state and national organizations. For example, 211 is a nationwide service supported by United Way that connects people experiencing financial difficulties with local resources. Call 211 from any phone to be referred to the right help for you, whether that's guidance signing up for federal benefit programs or finding rental assistance. Getting the benefits you deserve can give you the breathing room to cut down on debt that's overwhelming you. END