What Debt is Eligible for a Debt Management Program? 

Debt management programs (DMPs) typically simplify repayment and reduce interestsimplify repayment and reduce interest, but only certain types of debt—mainly unsecured debt like credit cards and medical bills—are eligible.

Secured and court-ordered debts, such as mortgages, auto loans, child support, and tax debt, generally can’t be included in a DMP, but free financial counseling can still help you manage them alongside other obligations.

Knowing which debts qualify for a DMP allows you to build a realistic repayment strategy and take meaningful steps toward long-term financial stability.