A structured digital framework for financial counselors and individuals navigating consumer debt, student loans, or credit card burdens. Covers the complete arc from debt audit to payoff strategy selection, including avalanche vs. snowball modeling, creditor negotiation scripts, and a 90-day action plan template. Delivered as a PDF guide with accompanying XLSX worksheets. Ideal for counselors who want a client-ready system or individuals who prefer a self-guided approach.
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