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An essential component of a Debt management services is a consumer credit counseling service. The best of these offer financial education and counseling from trained and experienced personal finance counselors. Many of these are philanthropic organizations. But just because a group calls itself non-profit doesn't mean you should support it. You may pay off all of your unsecured debt with a single 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.