A credible nonprofit option if you have real credit card debt you cannot manage alone. Skip it if you can cover minimums and DIY a payoff plan for free.
Confidence
Medium. Based on 14 public sources; several review snippets truncated.
Ratings
Value for money
Ease of useNo direct evidence on enrollment experience
Feature depth
Support quality
Security postureNo security disclosures found
Pricing
$25 fee reported
Debt Management Plan
ModelNot disclosed
Monthly fees$25
HardwareNot disclosed
Best for
→Consumers with multiple maxed-out credit cards
→People who can't negotiate lower rates alone
→Union members (NYSUT, PEF endorsed)
→Those wanting nonprofit, fee-light counseling
Not for
×People who can pay minimums — DIY snowball is free
×Anyone expecting debt forgiveness — DMPs still repay everything
Monthly DMP payments have left some households unable to keep up
medium
Only 25-40% finish plans — ask Cambridge their completion rate before signing
low
$25 fee reported — confirm whether it's setup or monthly, and waiver options
Pros and cons
Pros
+Nonprofit status confirmed in official FAQ
+5-star Trustpilot rating
+Endorsed by union member-benefit programs (NYSUT, PEF)
+Clients report completing plans and clearing bills
+Referral partner for credit unions like Alden
Cons
−Debt management success rates run just 25-40%
−Some enrollees can't afford the monthly plan payment
−Reddit threads broadly warn against debt relief companies
−Industry cited for abusive practices in 2005 Senate report
Sources & method
- 14 sources - No known vulnerabilities found in the sources reviewed.
official x5review x5news x4
Key stats
Value for money: 4/5
Rating
$25 fee reported
Starting price
14
Sources
Analyzed
Value for money: 4/5. Nonprofit, only $25 fee reported
Ease of use. No direct evidence on enrollment experience
Feature depth: 3/5. Standard suite: counseling, DMP, bankruptcy courses
Support quality: 4/5. 5-star Trustpilot; clients report finished plans
Security posture. No security disclosures found
5/5 Trustpilot rating Trustpilot reviews
$25 Reported fee Cited in LendEDU 2026 review
25-40% DMP success rate Industry rate per ABI
Pricing
Debt Management Plan
$25 fee reported
Counseling plus managed payoff plan
Whether fee is setup or monthly not fully specified in sources
Security
No known vulnerabilities found in the sources reviewed.
What users say
Reviews skew strongly positive — Trustpilot shows 5 stars and ConsumerAffairs features completed plans — while some Reddit threads caution against debt relief companies generally.
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