 TITLE: How to Pay Off 20,000 in Credit Card Debt CONTENT: How to Get Additional Help With Your Debt\n-----------------------------------------\nIf your credit is in poor shape and your financial situation doesn't allow for larger payments, you may consider getting help through credit counseling. Credit counselors can provide expert advice and personalized guidance for your specific circumstances at no cost.\nIf the situation calls for it, they can also set you up on a debt management plan (DMP). These plans, which typically last three to five years, involve you making one monthly payment to the credit counseling agency, which it distributes to your creditors. They may also be able to negotiate lower interest rates and monthly payments on your behalf.\nDMPs typically require a modest upfront and monthly fee, and you may need to close your credit cards. But if you're having a hard time paying back your debt on your own, a DMP is a good alternative to debt settlement and bankruptcy.\nIf the cost of your other bills is making it harder to pay down your debts, financial assistance is out there. Assistance from charitable and other organizations can take some of the financial stress off making ends meet so you're better able to take care of your debt. END