Credit Counseling (DMP) vs Debt Relief: Why Paying 100% of Your Debt Isn’t Always the Best Option in 2025–2026

Credit Counseling (DMP) vs Debt Relief: Why Paying 100% of Your Debt Isn’t Always the Best Option in 2025–2026

🚨 INTRODUCTION: The Credit Counseling Myth That Keeps Millions in Debt For over 30 years, financial institutions have promoted Credit Counseling—often called Debt Management Plans (DMPs)—as the “responsible” way to pay off high-interest credit card debt. On the...
Debt Snowball vs Debt Avalanche: Which Strategy Works Best for Paying Off Credit Card Debt in 2025?

Debt Snowball vs Debt Avalanche: Which Strategy Works Best for Paying Off Credit Card Debt in 2025?

Introduction: Two Popular DIY Strategies — But Only One Works for Most Consumers If you’ve watched any financial YouTube channels, listened to podcasts, or read personal finance blogs, you’ve heard of the Debt Snowball and the Debt Avalanche. These are the two most...