Credit counseling educates consumers about how to repay their debts and better manage their personal finances. This one-on-one counseling is customized to the client’s unique situation. An NACCC-certified consumer credit counselor can help consumers by crafting a new budget and debt repayment plan, all of which is informed by the client’s own financial information. Some clients need the additional help of a formal Debt Management Plan, though the majority benefit from credit counseling alone.