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.


How to Avoid Student Loan Debt

It’s pretty well known by now that student loan debt has surpassed credit card debt in the US. The total amount of student loan debt in the US as of 2014 is $1.2 trillion…a number that has tripled in the last decade. Student loans are the second highest source of consumer debt, trailing only mortgages. The cost of education keeps on rising, and managing this amount of debt can prove to be a struggle. It seems like a necessary expense for those who want to get a good job and earn a good living, but there are ways to achieve your goals without incurring as much debt.

ACCC can help with debt management.

ACCC can help with debt management.

College Alternatives

Many people opt for a trade school or apprenticeship in a certain industry. This requires some clarity on your part, knowing exactly what career you want to work towards. College gives you options with different majors to explore, whereas learning a trade may have limited applications. On the plus side, trade school is usually less expensive, and in-demand skills can earn you a very comfortable living.

Transfer College Credits

Another strategy to minimize your student debt is to start off at a less expensive school, like a community college. You can rack up credits at a low cost, then transfer to a more reputable school when you’re closer to your degree. Be sure to research what credits are transferable to what schools ahead of time.

Inexpensive Colleges

You have a few options when it comes to college. A private school with an excellent reputation will have a higher tuition cost, but may carry more weight on your resume. A state school with less cred will cost you less, but won’t stand out on a resume. If you choose the latter, you’ll need to go above and beyond to prove that you got just as much out of your education. This means a high GPA, extra-curricular activities and clubs, and maybe even an internship or two before you graduate.

College Scholarships

Get as many scholarships as you can. This is free money!

Getting a college education is great. Getting a college education with the least amount of debt possible is even better. Go forth and learn!

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


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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/how-to-avoid-student-loan-debt
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=how-to-avoid-student-loan-debt
Loaded Template: single.php