Consoladating credit

is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt issues.We will help you get out of the debt through our best credit counseling.This calculator is based on making the minimum repayment amount at a 18% interest rate.Minimum repayments are calculated as a percentage of the closing balance, typically 2 or 2.5%, or a set dollar amount, usually around , whichever is greater.Your repayment will never be more than your closing balance.The American government’s student loan program began modestly, with an investment of less than two million dollars in low-interest student loans that was mandated by the Higher Education Act of 1965. For instance, the amounts borrowed to fund various degree programs are not tied to the future salary ranges expected for holders of those degrees, meaning the cost of degrees is not tied to their economic value.

Our credit counselors are certified and trained to deal with both secured and unsecured debts.

The top performers in our review are National Debt Relief, the Gold Award winner; New Era Debt Solutions, the Silver Award winner; and Accredited Debt Relief, the Bronze Award winner.

Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 systems.

While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe.

When you start pursuing debt management options, you may get many mixed messages from those in the debt relief industry.