The problem with products like balance transfer cards and consolidation loans is that they create a false sense of accomplishment without addressing necessary behavioral changes.

As the cost of living continues to rise, more consumers are turning to credit cards to make ends meet—but many are finding themselves trapped in a cycle of debt that’s becoming harder to escape.

Did you know that millions of people have successfully lowered their credit card interest rates from over 25% to single digits? Despite this huge benefit, many—even financial experts—aren’t aware of the powerful solution behind this: the Debt Management Plan (DMP).

If you've ever felt like managing debt is harder than it should be—you're not imagining things. The truth is, many companies in the financial world profit more when you stay in debt.