What is the difference between Debt Consolidation and Credit Counseling? I have a place in mind that does debt

consolidation but charges a $ 40 fee. They also do credit counseling (which I don’t need.) I just need to lower my monthly payments because of high interest. I don’t want a service like credit conseling to effect my credit score. Any response would be appreciated.
I definately don’t need any credit counseling as much of my debt was accrued through phenomenal interest.
I just want to have one payment a month with the lowest possible interest.

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