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For many Americans, debt isn’t just a balance on a screen—it’s a daily weight. In a 2025 survey by financial services company JG Wentworth, it was found that nearly half of respondents worry about debt daily, worn down by high interest rates, mounting minimum payments and the fear of falling behind.
For those who feel like they’re running in place despite making payments, that’s where a debt management plan, or DMP, can step in. Instead of juggling a handful of separate bills, you make one predictable monthly payment, usually over three to five years,…