In terms of managing debt, which option is least likely to be helpful for someone with limited cash?

Choosing self-help as the least likely option to be helpful for someone with limited cash is supported by the understanding that self-help methods rely heavily on an individual’s ability to effectively implement strategies without external support or resources. While self-help approaches, such as budgeting and prioritizing debts, can be beneficial, they may not provide the specialized guidance and structured approach necessary for someone struggling with significant financial difficulties.

In contrast, debt consolidation can combine multiple debts into a single payment, potentially at a lower interest rate, which could simplify the individual's financial situation. Negotiating with creditors can lead to reduced payment amounts or more manageable payment plans, making it a proactive step that might yield immediate financial relief. Seeking professional financial advice brings expert knowledge into the situation, guiding individuals through complex financial issues and helping them to develop effective strategies tailor-made for their unique challenges.

Given these considerations, self-help may lack the necessary support systems and expertise that can make a significant difference for someone with limited cash and facing financial challenges.