I have worked closely with NACA in DC and Baltimore, it is an excellent program and no one can beat their interest rates. However, the process takes time and you must complete their program. So be sure to get in touch with a NACA office as soon as possible to bring the process.
It depends on your situation. I would suggest you talk to loan officer at your bank/credit union to see what benefits they can offer compared to the NACA program.
I think NACA does a good job of helping you development a payment plan that is affordable but if you feel you are responsible paying your own bills. You might get more bang for you buck with outside Loan.