Values of Credit Counseling and Debt Management

Studies on the human costs of financial stress and the effects of credit counseling on improving financial behaviors.

The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior

Study attempts to discern whether financial counseling itself (in the absence of an agreement to establish a DMP) has a measurable, positive effect on client credit behavior

The Relationship of Financial Stress to Overall Stress and Satisfaction, Personal Finances and Worker Productivity

This study examines the relationship of financial stress to personal and work stress and its negative impact on personal and work satisfaction.