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.


College Planning Series: Pre College Budgeting

With the average cost of college tuition on the rise, student education loans are reaching record highs. Our credit counseling advice is to financially prepare for college. Developing a realistic and manageable budget is a lifelong skill that does not just apply to your college years. In this series, American Consumer Credit Counseling will discuss budgeting tips for before, during, and after college. Let’s look at some information about pre-college budgeting:

Follow our credit counseling advice for pre college budgeting.

Follow our credit counseling advice for pre college budgeting.

Pre-College Budgeting Tips – Costs to Keep in Mind

It is important to begin budgeting for college before you even get there. First, determine what schools you can afford. Private universities tend to be very expensive, so if that is not within your price range, look into state schools or even community colleges. Taking classes at a community college for a couple of years could save you thousands of dollars in the long run if you can transfer your general credits over to a four year university later. It depends on what works for your personal financial situation.

By creating a budget, you will have a clear sense of how much you can afford to spend on an education. Your budget will determine how much you will need to make up for in financial aid, scholarships, loans, etc. Use this college cost calculator to determine the total costs associated with your college education in order to create an accurate and realistic budget.

Aside from obvious costs associated with college such as tuition and housing, you will also need to account for standardized tests, test prep courses, college tours, application fees, etc. when applying and preparing for college. Although these one-time fees may seem insignificant, they will quickly add up especially when applying to multiple schools.

Creating a pre-college budget will put you on the path for a financially responsible college career.

If you struggle to pay off debt, ACCC may be able to help. Sign up for a free credit counseling session with us today! 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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/college-planning-series-pre-college-budgeting
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=college-planning-series-pre-college-budgeting
Loaded Template: single.php