Debt consolidation through nonprofit debt reduction agencies may be an attractive choice for consumers who are looking for help on how to look for various strategies to solve their financial problems. Any person or household can get assistance from these nonprofit organizations for credit counseling and debt solutions. While the services rendered are usually for free, you may need to pay a fee to join or you may need to give monthly donations to the organization. This may be understandable because these agencies need funding for their operations but it is advisable to check for any hidden fees that they may be compelled to pay.