Credit counseling is used to let people know how to balance their spending and how to avoid bringing themselves into debt. Often times, a debt management program will be assigned to someone in credit counseling, in which a plan is set to help work out their debt so that they can completely rid of their debt. People called credit counselors will usually assign these debt management plans, and help to make sure those in debt come off it for good. If temptation can in fact be avoided it is the perfect situation to have had all those loans, sometimes dozens, all put into one loan to pay off.