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Debt counseling vs. debt settlement—understanding your choices. If you’ve been looking into the 2025 pros and cons of credit counseling, you’ve probably seen it mentioned alongside debt settlement, but they work very differently. Freedom Debt Relief host RobwilsonTV breaks down both options so you can decide what truly fits your financial situation. 💳 Debt counseling: Combines multiple payments into one and may lower interest rates, but you still repay your full balance. 💥 Debt settlement: Can