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. Another benefit of the debt management plan is a way to lower your interest rate and lower your monthly payment, in many cases. Most of your money is being wasted, lining your creditors' pockets. Because the debt management company can work with your creditors to negotiate a lower interest rate, the payments you make each month will be more productive, even if you might be able to pay down your debt is to get lower interest on your accounts. This will save you time as well
