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Additionally, our star ratings are a mix of user feedback and Nerd Wallet’s independent evaluation which are independent of compensation.

Freedom Debt Relief employs over 1,300 people who work with over 300,000 clients to help them reduce debt.Cambridge Credit Counseling is a non-profit credit and housing counseling agency that was founded in 1996.They provide various counseling services and financial literacy education to consumers across the country.Debt consolidation lets you roll several debts into one loan with a lower interest rate and longer payment term.That means you’ll pay less each month to just one lender instead of many.The interest rate depends on your credit profile, and it usually doesn’t change during the life of the loan.

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