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How long does the credit counseling process take?

The length of the credit counseling process is determined by individual circumstances and the depth of counseling required. On average, the phone consultation and financial assessment takes 45 to 60 minutes. The online process can take 20 minutes or less if you have easy access to your debt, income, assets and expenses. With the online credit counseling session, you can save your progress and return at a later time.

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