American Consumer Credit Counseling (ACCC) is a nonprofit organization offering free credit counseling and education to help individuals and families get out of debt and manage money more effectively. Our counselors can provide advice on options for consolidating loans, managing debt and choosing a debt consolidation credit card strategy. We also offer information on student debt relief, including options for student loans consolidation, deferment and forbearance, federal student loan forgiveness, and how to repay student loans when monthly payments for student education loans become overwhelming. Our counselors can information on the hidden costs of student loan consolidation companies and options for consolidating private student loans. The education section of our website features many free tools and resources, including a student loan calculator.