Debt management can help lower costs and streamline payments, but it's important to account for the costs, too.

Credit Counseling of Arkansas helps individuals and families manage debt, reduce stress, and regain financial stability ...

I'm a freelance financial journalist and a regular contributor to U.S. News and CreditCards.com. I've written for Life + Money by Citi, Bankrate and The Balance, among others. You can find me on ...