Introduction In today’s USA economy, debt is part of everyday life. From credit cards to personal loans, mortgages to medical bills, many households struggle with monthly payments. When debt feels overwhelming, two common solutions come up: debt settlement and debt management. But what’s the difference between the two? Which one is better for you? And how do they impact your credit, monthly payments, and long-term financial health? This detailed guide — Debt Settlement vs Debt Management in USA 2026 — breaks everything down in plain English. We’ll explain what each method means, how they work, real-life examples, pros and cons, and practical tips to help you make the smartest decision…