In this special bonus episode of Top of Mind, Julie Rose revisits the challenge of credit card debt - a topic that hits home for many of us – by sitting down with Thomas Nitzsche, a financial educator at Money Management International (MMI) and Susan, who shares her personal journey of paying off $80,000 in debt over four and a half years with help from MMI. While some feel skeptical of credit counseling agencies, this conversation digs into how these credit counseling agencies work, how to find a reputable one, and the real benefits they offer. If you’re looking for practical insights on how structured debt management can offer both financial relief and peace of mind, this conversation is for you. Original episode on credit card debt - https://www.byuradio.org/making-sense-of-americas-credit-card-debt CHAPTERS 00:00 Introduction 00:43 Interview with Thomas Nichi from MMI 01:14 Susan's Debt Story 04:19 How Credit Counseling Agencies Work 11:46 Debt Management vs. Debt Settlement 18:19 Finding Reputable Credit Counseling Agencies 19:42 Final Thoughts and Advice 20:58 Conclusion and Outro

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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