Debt Wave is a credit counseling company that strives to make your life more simple. The company is a nationwide, nonprofit credit counseling agency. The main goal of Debt Wave is to help you lower your interest rates and payments, as well as pay off your credit card debt, within a period of 3-5 years. The company offers credit counseling sessions, debt management program, an accelerated bi-weekly payment program, a financial education program and a payday loan assistance program. The company also offers many tools and resources to help you easily calculate percentages in relation to debt and money owed.