Are you late with bill payments? Do you put off visits to the doctor or dentist because you can’t afford them? If you lost your job, could you still pay for basic living expenses?

If you answered yes to any of these questions you might want to take a Debt Test. Then seek help from the National Foundation for Credit Counseling.

The National Foundation for Credit Counseling was founded in 1951 and has over 100 non-profit member agencies nationwide. Member agencies provide information and education about financial planning for free or at a low cost. Services provided include:

* Budget counseling and education
* Debt management plans
* Counseling referral services
* Financial literacy courses
* Housing counseling

You can get information and advice on paying off debt and improving your financial health at Debt Advice, a service of the NFCC.