Find Debt Relief in 3 Easy Steps Trinity is a non-profit 501 (c)(3) credit counseling service, with certified counselors trained in consumer credit, money and debt management, and budgeting. The organization helps individuals create personalized plans to solve their debt problems and offers useful financial planning advice. Trinity's debt management program (DMP) is not a loan. Joining a DMP can help viewers avoid costly loans or prevent the need to file for bankruptcy. Program members pay off their debt and improve their credit reporting.