If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


ABC’s of Financial Literacy

As we have seen during Financial Literacy Month, this topic covers a lot of ground. But for the sake of financial health, our debt counselors believe it’s worth it to learn everything one can about financial literacy. Here is a review of some key terms behind two personal finance areas: student loan repayment and building an emergency fund.

Get the scoop on ACCC financial literacy.

Get the scoop on ACCC financial literacy.

Key Financial Literacy Terms: Student Loan Repayment & Emergency Funds

Whether you are facing the start of student loan payments or working on building an emergency fund, having a strong foundation of financial knowledge is beneficial.

Student Loan Repayment Key Terms

Student loan repayment look different for nearly everyone. One thing is the same: repayment is not optional. Here are the terms that are important when navigating student loan debt.

  • Private vs Federal Loans: Private loans are backed up private financial institutions while federal loans are backed by the government and typically receive better interest rates and student loan forgiveness programs.
  • Grace Period: This is the time before you are expected to start sending in your student loan repayment. Interest may or may not accrue.
  • Student Loan Forgiveness Programs: There are a variety of programs, typically only for Federal loans, that allow certain borrowers to have part of their debt forgiven. Loan forgiveness may seem like an amazing thing! However, there are several qualifications you must meet. Visit the Federal Student Aid website for more details.

Emergency Fund Key Terms

If you find yourself free of debt, congratulations! That is a huge financial milestone. The next step is to start building up savings. There are many ways to make this happen. Take a look at these financial terms as you build your emergency fund.

  • Liquid Assets: A liquid asset is very easy to access and won’t lose value once it’s converted to cash. Since you never know when an emergency is going happen, it’s important your emergency fund is highly liquid. Basically, don’t invest your emergency fund; put it in a savings account that doesn’t have fees or restrictions for accessing your funds.
  • Living Expenses: Living expenses are any cost that you need to survive day-to-day. These include housing (rent or mortgage, utilities, taxes, etc.), food, clothing, and probably automotive. If you have life insurance policies or other regularly paid items that are essential, count those as well. Total all these costs for 3-6 months to calculate your emergency fund goal.
  • SMART Goals: Goals should be specific, measurable, achievable, realistic, and timely. Consider these SMART goal qualifiers when working on building savings. Establishing an emergency fund and eliminating debt are achievable goals if you plan properly.

Having a strong, working knowledge of your financial situation and understanding these and other key terms–financial literacy!–will enable you to reach your personal finance goals.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/abcs-financial-literacy
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=abcs-financial-literacy
Loaded Template: single.php