You’re more than likely already aware of your financial situation being less than ideal or you wouldn’t be listening to this, right? You’re struggling to pay off credit cards, car loans, student loans, medical bills and your mortgage all at the same time you still need to eat, put gas in your car, buy your kids shoes that fit…you know, get your basic needs covered.

Here are the top four way companies making a profit off your debt-reduction attempts will suggest you go about it.