Best credit counseling tools in 2025

💵 Cost-saving tools 📝 Documentation help 🏫 Education financing 🏦 Loan forgiveness guidance 💳 Loan optimization 🏦 Loan options analysis 💰 Loan repayment assistance 💵 Loan restructuring 💵 Loan restructuring options 🤖 Managing student loans 📅 Payment assistance 🔍 Refinancing questions 💰 Student loan inquiries 🎓 Student loan management 📅 Understanding interest rates