r/Debt•
Nnephthys

Debt Management Programs?

Hi all.

I've been researching some ways to consolidate my debt into one monthly payment. As it stands right now, I have $26k in debts. I've put a major dent in that myself through the years, a it used to be more, but I still find myself paying around 2k/month keeping everything afloat. It's not super manageable.

I've seen a lot of good things about ACCC, but from what I understand, they only help with credit card debt, which I know is more important because of interest, but I'd really like to tackle both.

Are my only options for consolidating my loans to go with a company like Freedom Debt Relief? I didn't want to because I kept reading things about taxes getting difficult and I don't like that I'd have to let my accounts go delinquent.

If anyone else knows any programs/counseling for credit cards AND loans, please do recommend :)

Posted Apr 10, 2026, 12:58 AM UTC

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