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Learn how these differ from other plans. Consumer credit counseling programs used to be very popular amongst American debtors. They used to put forward very helpful benefits, such as diminishing the interest rates down to zero. However this has all been altered and the advantages are no longer what they were in the past. In the majority of cases you will find yourself offering out as much for a credit counseling program as you were to maintain making monthly minimum payments. Thus people will search for another route of consumer debt relief.