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 for us to call you.


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 Solutions

For most Americans, the cost of a college education inevitably involves taking out student loans. Unfortunately, student loans can be overwhelming to pay off later. Millennials and Gen Z are putting off life milestones like buying a house, getting married, and having children because of their student loan debt. American Consumer Credit Counseling explains student loan solutions for those who are struggling to make payments.

If you struggle with student debt, try these student loan solutions.

If you struggle with student debt, try these student loan solutions.

Student Loan Consolidation

One of the most popular student loan solutions is debt consolidation. Combining multiple loans into a single new loan, student debt consolidation can make it easier to repay student loan debt. By increasing the amount of time over which the loan must be paid back, student debt consolidation can help to lower your monthly payments. There are a few different options for student loan consolidation. It depends on what type of student loans you have.

If you took out federal student loans, you can apply for consolidation directly on studentloans.gov. You can choose a repayment plan based on your income or your loan balance. Choose whichever option makes the most sense for your situation. With federal student loan consolidation, there are no credit requirements like with private student loan consolidation. If you have private student loans, you can apply for a consolidation loan, but you will need to have good credit.

Though there are many advantages of student loan consolidation, there are a few drawbacks. For example, your original loans may have had discounted interest rates, which will be lost when you consolidate. This means you may end up paying more than you would have if you did not consolidate.

Student Debt Forgiveness

Student loan solutions are not limited to just consolidation. Depending on how long you’ve been paying on your student loans and what industry you work in, you may be eligible for student debt forgiveness. Certain employees who work in public or nonprofit jobs qualify for public service loan forgiveness if they have been paying on their student loans for ten years. You also must be employed full time to qualify. Other student debt forgiveness programs may be available for borrowers who are entering community service, military service, and health services careers.

For teachers and other education professionals who took out a Perkins loan, you may be eligible for loan cancellation. To qualify, you must have been working full time for at least one year and be working in a high-need or critical area. Another option for student loan forgiveness teachers can apply for is the Teacher Loan Forgiveness Program. If you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency, you may be eligible for this program.

Student Loan Solutions Through Credit Counseling

It’s difficult to know what student loan solutions are available if you’re dealing with these issues on your own. Calling a credit counseling agency like ACCC can make your life a little easier. 

During your credit counseling session, our certified and highly trained counselors will work with you to understand all the particulars of your financial situation and put together a detailed review of your income, expenses, assets and debts. Then we’ll lay out all of your options – from federal student loan relief to ways to consolidate private student loans. Next, we’ll help you choose the student loan solutions that make the most sense for you. As you put your plan in place to get out of debt, our counselors will support you every step of the way.

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


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

View all author posts →

Dev Tool:

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