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


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


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.


Student Loan Repayment Tips – Federal Loans

Our debt counselors know that student loan payments can be crushing for many. The only way to stay afloat is to have a solid plan. Therefore, being knowledgeable about student loan repayment tips is crucial to successfully repaying those loans.

Check out these student loan repayment tips to tackle debt.

Check out these student loan repayment tips to tackle debt.

Student Loan Repayment Tips

Here are some quick bullet points for choosing a Student Loan Repayment Plan. Note that these student loan repayment tips are only applicable for federal loan repayment.

Use a Repayment Calculator

Student loan holders can find a simple loan repayment calculator and other useful information at StudentLoans.gov. To use the payment calculator, borrowers can either sign in or can manually input their loan info. However, you will need to know the following to manually calculate repayments.

  • Loan types
  • Loan balances
  • Interest rates
  • Relevant tax filing info

The calculator shows multiple monthly payment amounts based on different repayment plans available. This way, you can see an accurate estimation of what the monthly student loan expense is depending on the plan you choose. Borrowers should choose the plan with the highest amount that they can afford to pay each month. This is because the more you pay each month, the less you pay in interest over time.

Loan Forgiveness Programs

Borrowers should try to find out if they qualify for loan forgiveness. The most common program is the Public Service Loan Forgiveness (PSLF). This program forgives the remaining balance after borrowers make 120 on-time payments. Borrowers qualify by working full-time for tax exempt 501c3 non-profits, government organizations, the military, the Peace Corps, and other public service professions.

Keep in mindyou must stay employed full-time by a qualifying employer for the entire 10 years you are paying towards your loans before they are forgiven. Interest will still accrue even if you are in a forgiveness program. Your entire balance, including the interest, will be forgiven at the end of the 10 years. However, you may fail to qualify at certain points. Then, you are responsible for the remaining balance and interest. Income-based repayment is the best option for anyone who qualifies for loan forgiveness for a 10 year period.

Basic Repayment Plans

The standard repayment plan will have your loans paid in 10 years with a fixed monthly payment and the least amount of interest accrued based on your current interest rates. A graduated plan will accrue more interest, but you will have lower payments initially with steadily increasing payments over the course of the 10-year term of repayment. These plans are best for paying the least in interest and fully paying your loans within 10 years. Either of these plans can extend into a 25-year term, but borrowers will pay significantly more in interest over the life of the loan.

Income-Based Repayment

Income based repayment (IBR) or pay as you earn (PAYE) plans are valid on two conditions:

  • If you qualify for eventual loan forgiveness
  • If you absolutely cannot afford to make the minimum payments of a standard or graduated plan.

Income contingent repayment plans result in a lot of interest charges and take significantly longer to pay off. However, the payment plans can fit within a budget that suits your income. A person’s income is calculated based on how they file their taxes. Therefore, if they file jointly with a spouse, the repayment amount is based on the combined household income.

Learn more student loan repayment tips with American Consumer Credit Counseling. If you’re struggling to pay off debt, schedule 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/student-loan-repayment-tips
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=student-loan-repayment-tips
Loaded Template: single.php