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.


Teen Taxes & Finances: A Guide

Teen taxes are just like adult taxes but probably a little simpler. However, as a teen, completing your tax return might seem daunting. Our debt counselors totally get this. With some help from the Talking Cents blog, your parents and some other research, you can easily be on your way.

With the right support, you'll understand teen taxes better.

With the right support, you’ll understand teen taxes better.

Teen Taxes & Finance Guide

The first thing you need to complete your taxes is a reason to do so! If you worked in the 2016 calendar year, then you will need to file taxes. When you were first hired, you filled out a W-2 form for your employer. As a result of how you filled out this form, a certain amount of money from each paycheck will be withheld.

Here is the list from H&R Block of standard deductibles:

  • Social Security: money that goes toward Social Security benefits in retirement.
  • Medicare: an insurance plan that provides medical benefits to Americans over the age of 65 and individuals with certain disabilities.
  • Federal Income Tax: a designated percentage of income given to the federal government.
  • State Income Tax: for states that collect state taxes, it’s a designated percentage of income given to your local government. (This percentage varies from state to state.)

There are a few other points from H&R Block to help with teen taxes:

  • Teens earning less than $6,300 over the course of the year may claim an exemption from income tax withholding by giving the employer a new Form W-4, and won’t have to pay those taxes.
  • You will need to file a tax return to get a refund.
  • Calculate your projected annual income to learn whether federal taxes must also be taken into account.

Consult your family’s financial adviser for more guidance on completing forms for teen taxes.

Financial Tips for Teens

Beyond teen taxes, you should be taking care of your finances in a bigger way. This includes budgeting, saving, planning, investing and more. Therefore, here is a checklist to get you on your way to becoming a financially savvy teen.

  • Make & follow a budget. Track income, spending, and saving
  • Consider saving for future expenses, like a car, travel, college textbooks, etc
  • Create SMART goals (Specific, Measurable, Achievable, Realistic, and Timely) based on these considerations
  • Keep good financial records
  • Remember to start investing for retirement as soon as you are making a steady income and feel comfortable doing so

These checklist items can go a long way towards developing excellent financial habits and stability for your future. Finally, keep learning and growing to do your best with your finances and goals.

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


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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/tips-teen-taxes-finances
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=tips-teen-taxes-finances
Loaded Template: single.php