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You may pay off all of your unsecured debt with one monthly payment under a debt management plan. Although a debt repayment plan is not a loan and won't allow you to pay less than what you owe, it can simplify the repayment procedure and hasten your debt elimination. Debt management solutions are only applicable to unsecured debt. Not included are mortgages, vehicle loans, and other collateralized obligations. They also do not qualify for student loans. A debt management company, such as MNS Credit Management Group, which exclusively accepts contingency payments, charges a specified success fee or percentage.