Credit Counseling is for massive debt, long term. My ex-wife maxed out several credit cards in college. She amassed tens of thousands of dollars in debt. She used a non-profit credit counseling service to repair the damage. (a snarky side note:she’s maxed out again...hee hee,but, I digress.)You don’t sound like you need that.
Well, student loans are another matter, but as I continue in school they keep deferring them. As I still have several years to go, that monster can wait.