How much does debt management cost in 2026?
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TL;DR
- Total credit card debt in the U.S. is $1.23 trillion, with average rates near 23%.
- Debt management programs negotiate lower interest rates and consolidate payments.
- Setup fees typically range from $0 to $75.
- Monthly maintenance fees generally range from $25 to $50, capped at $79 nationwide.
- Programs can lower interest rates to 8%-10%, providing significant savings.
- Debt management is ideal for manageable but expensive debt, steady income, and avoiding credit score damage.
- It may not be suitable for overwhelming debt, being behind on payments, or needing immediate relief.