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

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

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

Wait!

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.

Yes

What Are My Student Loan Options With ACCC?

Student Loan optionsUnderstanding your student loan options is crucial, especially if you are struggling to repay student loans. If you already have defaulted student loans or are delinquent on your loans, you may be able to get temporary or permanent relief from making payments.

Student Loan Options With ACCC

One common mistake struggling student loan borrowers make is to postpone payment on their student loan. Deferment and forbearance are temporary fixes (1-3 years).  They do not address underlying financial issues which may require budget counseling.

What happens when you postpone your student loan payments? You may most likely be responsible for paying the interest that accrues during the period of postponement.

What are your options with ACCC?

American Consumer Credit Counseling can help you explore your student loan options regardless of how much you owe or your loan status (current/delinquent/default) including:

  • Eliminating the loan altogether through loan cancellation
  • Considering other, more affordable payment plans or loan consolidation. Monthly payments on some income-driven plans can be as low as $0.
  • Postponing payments through deferment or forbearance programs to avoid delinquency/default

What if you have delinquent or in default on your loans?

If you have are delinquent or in default on your loans (1-270 days behind on loan payments), you must take actions to avoid default! When you default on your student loans, you will suffer negative consequences. For example:

  • Your credit will be damaged.
  • Your loan balance will increase dramatically as collection fees of up to 18-25% of loan balance are added.
  • IRS can intercept any income tax refund you may be entitled to until your student loans are paid in full.
  • The government can take (“garnish”) a limited portion of your paycheck.
  • The government can take some federal benefit payments (including Social security retirement benefits and Social Security disability benefits) as reimbursement for student loans.
  • Private lenders and the government can sue you to collect defaulted student loans. Unlike other debts, there is no time limit on suing to collect student loans — you can be sued indefinitely.

Don’t get discouraged if you are in default! Our counselors can help you explore your options for getting out of default including Loan repayment (payment can be as low as $0), loan rehabilitation, and loan consolidation.

For assistance with your student loans, contact our student loan counselors today at 1800-769-3571 ext. 1924.

ABOUT AUTHOR / Dilini

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 →

Dev Tool:

Request: blog/student-loan-options-with-accc
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=student-loan-options-with-accc
Loaded Template: single.php