The counseling agencies, which will receive no additional government aid under the new law, are increasingly reliant on funds from the credit industry.

Dennis Hunt, executive director of the counseling agency that commissioned the play, said it was a cost often disproportionately felt by children.

"I work with a counseling agency and I believe strongly in what we do," she said.

The schools can refer students to a proper counseling agency.

We highly recommend that you contact a HUD-approved counseling agency.

Bankruptcy legislation passed by the House could steer even more people to counseling agencies.

Proceeds will go to benefit Just One Break, an employment and counseling agency for disabled people.

A credit advocate or counseling agency might be able to help.

Please be aware that servicers and counseling agencies are expected to receive an extraordinary number of calls about this program.

There is no charge to work with a HUD-approved counseling agency.