If you are Christian and in debt, there are a few Christian debt consolidators that will help guide you out of debt with the help of the Lord.  They couple verses from the Bible and solid credit and debt knowledge to help you get through this mess and out of debt.  It may seem like an odd combination, but after reading their lessons and articles that are always finished with a scripture from the Bible, it makes total sense.  They operate the same as other debt and credit consolidators, and will lump all of your debts into a monthly payment that is affordable enough that you will still have something to toss into the collection plate each week.  At least one of the Christian debt consolidation companies is non-profit.

Debt management is learning how to pay back your debts and maintain a successful life while you do so.  Most debt management programs will also teach you how to not end back up in the credit trap you fell in to.  This type of program is valuable for younger people who already have gotten themselves in to credit trouble.  When you learn to manage your debt, you also learn how to get smart deals on future credit cards and loans.  Think of it like a master class in credit management.  Budgeting is also a very important factor of debt management.  If you can create a budget, and stick to it, you are financially intelligent and  responsible enough to have credit cards without getting in to trouble.