Please choose the correct ending to complete the given sentence: Home and Garden: [header] How to make a debt management program work for you [title] Choose a debt management program carefully. [step] The credit counseling and debt management industry is, unfortunately, infested with companies that are all too willing to take advantage of people who are already in money trouble. Choose the wrong program, and you could quickly end up in worse shape than before.

Ending1: How you choose a program may depend on the specific course of study you're taking. [substeps] If you're taking some debt management classes at a community college, your focus should depend on the class material. Ending2: Seek real credit counseling before enrolling in a dmp, and carefully consider other options, such as negotiating with creditors yourself. If you do decide that a dmp is right for you, make sure you go through a reputable agency. Ending3: Regular credit counseling, however, tends to work better for people, as it offers the ability to help you meet your debt-management goals more efficiently. [substeps] This is especially important for people with personal financial problems, like a criminal history and low credit score. Ending4: [substeps] For better or worse, credit counseling and debt management programs can be used to help redirect people in need. If your credit problem is large-scale or if a debt management program lacks a client base, these are the best opportunities.

Answer format: ending1/ending2/ending3/ending4