http://www.americandebtgirl.com/debt-management-programs.html Debt management programs can be your financial lifesaver. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Debt management programs are your ace-in-the-hole when it comes to getting out of debt in a timely manner. Put Time on Your Side When you have a lot of debt, it can take 20 years or more to get out of it if you go on paying just the required monthly minimum. Why? Because of the astronomical interest rates and finance charges you pay each month. But most debt management programs will either get those interest rates lowered and finance charges removed or else pay off your debt at an interest rate in the single digits, thereby enabling you to get out your debt paid off in five years or less. But no two debt management programs are exactly alike, just like no two people are exactly alike. To that end, you can find a lot of variety in debt management programs. For example: Christian debt management programs cater to those who want debt management with a side of spirituality. Non-profit debt management programs are available at a lower cost than most. You can even find a bad credit debt management program if that's what you need. All of these offer the same core debt management programs--debt consolidation, debt settlement, debt consolidation loans and debt consolidation mortgages. (Or if they don't offer some of those programs, they can refer you to a company that does.) Either way, enrolling in a debt management program is one of the smartest things you can do if you want to get rid of your debt. Not only will you be out of debt in about five years or so, but you'll save thousands of dollars in interest rates and finance charges. Really, you have nothing to lose--except your debt. Sat, 26 Jul 2008 15:00:00 EDT