 TITLE: 11 Ways to Pay Off High Interest Credit Cards CONTENT: 11\\. Consider Credit Counseling\n-------------------------------\nYou don't have to develop a credit card payoff plan and budgeting strategy alone. A certified counselor at a nonprofit credit counseling agency can assess your debt and help you consider which of the approaches outlined here are best for you.\nYou may be offered the option to use a debt management plan, during which the counselor will negotiate with your creditors to reduce your interest rate, monthly payment or overall balance. But this costs a startup fee and a monthly fee of $20 to $30 on average, and you may be required to close your credit card accounts. Weigh the pros and cons before moving forward. END