As a financial journalist for about 20 years, I can tell you that one of the best games in town for debt counseling is the National Foundation for Credit Counseling. (NFCC) The 55-year-old organization is a nonprofit that gives free, one-on-one counseling on credit and debt issues, including student loans, credit cards, housing related debt, outreach to creditors, as well as counseling on budgeting and setting up debt repayment plans.
New research from Ohio State University, however, finds that people who used the services of NFCC through their Sharpen Your Financial Focus initiative, launched in 2013 with Bank of America, Wells Fargo, and Chase, not on…
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