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What is a debt management plan, is it the same as a debt reduction plan what is the difference between these plans.  Should a debt management plan be something in place before borrowing money.

 Article Links:

https://www.bankrate.com/personal-finance/debt/what-is-debt-management/ By Raychelle Heath
https://www.moneymanagement.org/debt-management/what-is-a-debt-management-plan

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