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Feeling swamped by debt can be incredibly stressful, but there's a beacon of hope: free credit counseling. This valuable service, offered by dedicated non-profit organizations, acts as a financial lifeline for individuals looking to regain control of their money matters. It’s a structured approach where certified counselors help you dissect your financial situation, build a realistic budget, and chart a clear path toward debt resolution. This guide is packed with current insights to help you understand and leverage these essential resources.