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There is a difference between managing your debt and drowning it My family had struggled financially and had tried to work it out ourselves. There is a difference between managing your debt and drowning it My family had struggled financially and had tried to work it out ourselves. The most important thing for you is that the option you choose works for you and helps you get debt-free quickly. They are also intended to please you by putting some quality back in your life in the form of greater peace of mind. You can use a debt relief solution on it's own or they can be used together to help you work through the debt management process and make progress toward being debt free for the rest of your life.