Where do credit counseling agencies get their funding?

Beyond the challenge to become competitive while remaining true to our values, community-based credit counseling agencies have faced dramatic reductions in our traditional funding sources. Our largest source of funding has always been the creditor community. In return for our efforts to help consumers manage and repay their debts, creditors rewarded our agencies with contributions to cover our costs of administering debt management plans and to subsidize the other services we provide.

With the rapid consolidation of the financial services industry in the past fifteen years, these contributions have steadily contracted. As an example of the impact of these reductions, creditor contributions to my agency amounted to $40 per counseling session as recently as the year 2000. In 2003, those contributions amounted to $22 per counseling session.

That's a 45% decrease in our primary sources of funding in a span of just three years. Our service sector is responding to this challenge by ... more.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.