Student loan debt affects millions of Americans, and for many, repayment feels overwhelming. As education costs continue to rise, forgiveness programs have become a vital lifeline. These programs can ease the burden and, in some cases, completely eliminate remaining debt. Understanding what’s available, whether you qualify, and how to apply safely is the first step […]
CCCS Blog
Debt Management
Categories
- All
- Bankruptcy Counseling
- Credit & Budget Counseling
- Debt Management
- Housing Counseling
- Services
- Uncategorized
Debt Settlement vs. Debt Management: Which Is Right for You?
When you’re drowning in credit card debt, it can feel like you’re out of options. But you do have choices. Two of the most common are debt settlement and debt management. While both aim to help you pay down debt, they work in very different ways. The right solution depends on your specific financial situation, […]
The Hidden Costs (and Risks) of Payday Loans
When bills pile up, emergencies strike, or the paycheck runs out before the month does, it’s natural to feel desperate for a fast solution. We’ve all been there—facing an unexpected car repair, a medical bill, or a shut-off notice with no clear way to cover it. In those moments, people are often just looking for […]
10 Benefits of Living Debt-Free
Written by Beth Mincks, NFCC Certified Financial Professional Peace of mind Financial security Improved marital relationship Better health and lifestyle More free time Emergency fund lasts longer Strengthened self confidence Extra money to put towards savings More money available to invest. More time with kids and family. Living a debt-free life means different things to […]
Debt May Spoil Cupid’s Plans This Valentine’s Day
Springfield, MO. – Cupid is up against a mighty opponent this Valentine’s Day: DEBT. The majority of respondents participating in the National Foundation for Credit Counseling (NFCC) monthly poll indicated they would have serious reservations about taking on the debt of the person they love, even to the point of ending the relationship. The NFCC […]
