If you have been in debt or are currently in debt, one of the best things you can do is go to consumer credit counseling. You will not only learn about credit education, but you will be counseled for have your problem of being in debt. When one participates in consumer credit counseling, people often end up making a debt management plan. A debt manager helps one that is in debt because they create a repayment plan for the person that is in debt. The debt manager will often set up counseling, reduced fees, and interest rate for the client. A manager will also close the account or restrict charges so that someone does not get into more debt.