Over two million South Africans have benefited from debt counselling since 2007, taking back control of their financial affairs and repaying over R120 billion to lenders. According to the National Debt Counsellors' Association (NDCA,this money flows back into the economy, generating economic activity. The association further adds that debt counselling is effective because it costs less than alternative methods, gets money flowing back into the economy and is the most pro-consumer option for responsible people to pay back debt, when their circumstances may not otherwise allow it. To unpack these benefits, Bongiwe Zwane spoke to Benay Sager, chairperson at the National Debt Counsellors' Association (NDCA).