Hi, I am a college student struggling with about $5,000 credit card debt.. I know I know its not much but I was stupid and fell behind a few times in the past and my interest rates, late fees, overlimit etc have really added up. Has anyone here ever done "credit counseling", you know where they say they set uo one monthly payment, reduce interest, help get rid of past fees etc....What are the pros and cons and does it really help? Thanks for any advice.
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