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Eliminating Debt: DMP vs Debt Consolidation

There are two popular forms of debt elimination: debt management program and debt consolidation. If you are currently struggling to manage your finances, one of these options could be the solution. Let’s compare DMP vs debt consolidation to help you make the right choice. 

Learn about DMP vs Debt Consolidation.

Learn about DMP vs Debt Consolidation.

Debt Consolidation

Debt consolidation is essentially the act or process of joining a number of debts together into one. Typically, when you hear debt consolidation, it’s referring to debt consolidation loans. In this scenario, consumers borrow additional money to pay off the rest of their debts. Usually debt consolidation loans come from a home equity loan, credit line or personal loan. However, as with any debt solution, there are pros and cons. Therefore, here is a quick look at the advantages and disadvantages of debt consolidation loans. 

Advantages of Debt Consolidation

  • Consolidated debt is a viable option for consumers who are struggling to keep up with multiple payments and multiple due dates. 
  • You make one monthly payment with one interest rate.
  • Avoids risk of home equity loan and foreclosure if you face difficulty repaying the loan.
  • Your credit accounts are paid and accounts are left open and active.

Disadvantages of Debt Consolidation

  • Your credit history may cause your lender to offer variable and high interest rates for the debt consolidation loan.
  • There may be higher or additional fees with this type of loan.
  • While your credit accounts remain open, this may allow you the opportunity to fall back into bad spending habits.
  • You may not receive the financial education needed to change your habits to avoid future debt.

Debt Management Program

Next, a debt management program consolidates your bills without borrowing more money. In other words, you do not take out an additional loan to pay for your existing debts. When you enroll in a debt management program, a credit counselor at a non profit credit counseling agency, like ACCC, will negotiate with your creditors to reduce interest rates, any outstanding late fees, and any over-limit fees. They will go through your budget, debts and financial goals.

Here are some benefits of a DMP:

  • One monthly payment
  • 24-hour member access
  • Lower payments
  • Get out of debt faster
  • Re-counseling
  • Financial education

Choosing DMP vs Debt Consolidation

So how do you choose? Everyone’s finances are different. Choosing DMP vs debt consolidation depends on many factors. Make sure you have all your budget, debts and goals figured out. Then, think about your financial habits. If you struggle to stay on track, you might want to consider a DMP. Finally, no matter which choice you are considering, going through credit counseling with a certified non-profit agency is a great place to start navigating debt elimination.

If you’re struggling with debt, ACCC can help. Schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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