True Worshippers School of Prophets Biblical College is conscious of the high cost of the traditional classroom approach to teaching, and the difficulties so many students have in attending regular college classes. Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget. TWSP Credit Reconstruction will discuss your entire financial situation with you, and help you develop a personalized plan to deal with your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions. A reputable credit counseling agency should send you free information about itself and the services it provides without requiring you to provide any details about your situation.