economy
January 31, 2026
How much does debt management cost in 2026?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
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.
Continue reading the original article