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Associates Degree Programs Two Year Degrees
The associate degree is a two year degree given by US colleges. The degree is awarded to students who have completed all the requirements of the program. In Associates Degree There are three classes of associates degrees in the USA: the associate of arts degree (also called the A.A. degree), the associate of applied science degree (the A.A.S. degree), and the associate of science degree (A.S. degree). These degrees are awarded by two types of colleges: community colleges, which are operated by the local government and financed by public funds, and junior colleges, which are generally privately run. Both are excellent options for students who want to complete an associate degree.

Credit counseling
Credit counseling (known in the United Kingdom as debt counseling) is a process that involves offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits, rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan. Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.
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