Credit counseling

Credit counseling is like having a grown-up friend who knows a lot about money and can help you if you feel confused or worried about your debts or bills.

The credit counselor will talk to you about your money situation, look at your bills and your income, and help you come up with a plan to pay off your debts. They will also give you advice on how to avoid getting into more debt in the future, like making a budget and saving money.

Think of it like going to a teacher or a parent when you're having trouble with your homework. Just like they help you understand a tricky math problem, a credit counselor helps you understand how to manage your money in the best way possible.