Which of the following is NOT one of the four debt relief options mentioned?

Financial Literacy Training is not categorized as one of the primary debt relief options. The other three options—Consolidation Loans, Credit Counseling/Debt Management Plans, and Debt Settlement—are concrete methods designed specifically to assist consumers in managing and reducing their debt burdens.

Consolidation Loans allow individuals to combine multiple debts into a single loan, often at a lower interest rate, simplifying repayment. Credit Counseling and Debt Management Plans involve working with professionals who help create a structured repayment plan while negotiating with creditors. Debt Settlement involves negotiating with creditors to reduce the total amount owed.

On the other hand, Financial Literacy Training focuses on educating individuals about financial management skills and tools rather than providing a direct means for relieving debt. While it is an important resource for preventing future financial issues, it does not fit into the category of immediate debt relief solutions. This distinction clarifies why Financial Literacy Training does not belong among the specified debt relief options.