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Debt Management Program

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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Credit card loans

How do credit card loans work?

Credit card loans are a financial tool used to help consumers pay off their credit card debt faster. Credit card loans enable you to pay off a variety of high-interest credit card debt by consolidating those debts into a single new loan, ideally with a lower rate that lets you save money on interest payments.

If you’re carrying a credit card balance, you’ll inevitably receive a lot of offers from companies offering consolidated loans. But before you take this financial step, you may want get help from a professional credit counselor to determine whether credit card loans are truly the best option for paying off your debt. Bill consolidation loans don’t always work out the way you hope they will, and sometimes you can end up with more debt rather than less.

If you’re looking to pay off credit card debt with loan options or debt management programs, contact the certified credit counselors at American Consumer Credit Counseling (ACCC). As a nonprofit organization, we offer free credit counseling to help you make better decisions about managing your debt and can help you decide whether credit card loans are truly the best option for you.

Get help with credit card loans at ACCC.

For more than two decades, ACCC has been helping consumers just like you find their way out of debt and learn to live life debt-free. In addition to free credit counseling sessions, we provide low-cost debt relief services and a wide variety of educational resources that can help you manage your finances more effectively.

Our highly trained credit counselors are available six days each week to help you evaluate your options for getting out of debt, including credit card loans and other credit card debt programs. We’ll help you get a clear understanding of your financial situation, talk through your financial goals and answer all of your questions, including “How do I pay off debt more quickly?” and “Which debt reduction program is best for me?”

Credit card loans vs. a debt management plan

As you consider the best way to pay off your credit cards, you may find that a debt management plan offers a faster path out of debt than credit cards loans. In a debt management plan, rather than consolidating old loans with new credit card loans, you’ll consolidate payments by making one payment a month to us and letting us take care of all your bill-paying for the month. In addition to simplifying your finances and making it easier to keep up with payments, our debt management plan enables us to work with your creditors to seek possible reductions in interest rates and finance charges that can help to reduce what you owe and pay off your debt more quickly.

Learn more about credit card loans and the credit card settlement process at ACCC, and get answers to questions like “What is a unsecured credit card?”

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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