Here’s why credit counseling isn’t right for everyone… It sounds like the perfect fix—lower interest rates, one payment, less stress. But for many people, credit counseling can be harder to manage than expected. Freedom Debt Relief host RobwilsonTV breaks down the 2025 pros and cons of credit counseling and explains why it doesn’t always fit every situation: ⚠️ Monthly payments can stay high 🚫 You’ll have to close your credit cards 📉 Miss a payment and the plan can collapse 💸 No debt reductio