 TITLE: How Does Debt Counseling Work? CONTENT: Is Debt Counseling a Good Idea?\n-------------------------------\nIf you're feeling overwhelmed, debt counseling may indeed be a good option for you. Being stuck in a cycle of debt isn't just tiring; it can also be confusing, isolating and even paralyzing. Working with a professional credit counselor can help you overcome these obstacles.\nThat said, debt counseling doesn't work equally well for everyone. Credit counseling can be a catalyst for change, but only if you're prepared to do the work of creating and maintaining a plan. While initial consultations with a credit counselor are free, you'll pay a small ongoing fee above and beyond your monthly debt payments if you opt for a debt management plan. Before starting debt counseling, be ready to learn and make changes. A good credit counseling service can give you tools, but only you can use those tools to create a better financial position. END