The National Foundation for Credit Counseling is a gold mine of information for people who believe they are burdened with debt and particularly burdened beyond hope.

The NFCC offers free credit counseling, discusses the pros and cons of various debt consolidation programs and provides effective debt reduction programs.

As with any credit counseling site you will need to sort through the programs being offered and select the program or programs that are best for you. The NFCC does not charge for credit counseling and the staff members are experts at debt management. You might see NFCC staff on TV programs that discuss rational and legal debt reduction programs.

The site provides valuable information on a range of debt management, banking and credit card activities. There is something for everyone to read and learn from this comprehensive guide to surviving these troubled financial times.