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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.

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Consolidate Loans

Need to consolidate loans?

When you’re carrying debt on a number of loans, you may be tempted to consolidate loans by taking out a new loan with a lower interest rate. This can lower the amount you have to pay each month or allow you to pay it off faster.

But consolidating loans isn’t always the most prudent course of action. If you’re not careful, you can end up actually paying more money and taking longer to get out of debt. And if you don’t address the underlying financial issues that got you into debt in the first place, loan consolidation may not be of much help in the long run.

When you need to learn more about whether to consolidate loans or choose another path for getting out of debt, contact the professional credit counselors at American Consumer Credit Counseling (ACCC). As a nonprofit organization, we offer free credit counseling and can help you look at all your options for how to consolidate loans and find your way out of debt.

Consolidate loans with help from ACCC.

When you come to ACCC for information on how to consolidate loans, our professionally trained and certified counselors will help you evaluate your current financial situation and provide you with a detailed review of your income, assets and expenses. Based on your financial goals, we’ll lay out all the options available to you, including ways to consolidate loans and other alternatives that may be more effective.

Our counselors will also point you toward free educational materials on our website, including a debt consolidation calculator as well as helpful financial advice about creating a budget. And we’ll direct you to any other governmental or community resources available to you that may help you get control of your finances and become debt free.

Debt management plan to consolidate loans.

Depending on your goals and your financial situation, our credit counselors may present a debt management plan as an option when you want to consolidate loans. Rather than actually taking out a new consolidation loans to pay off old loans, a debt management plan enables you to make one payment each month to ACCC and we in turn pay each of your creditors. A debt management plan lets you simplify your finances and ensures timely payments by making just one payment each month. And because we’re in touch regularly with your creditors, our credit experts can seek reductions in finance charges, interest rates, and fees from your creditors that can help to lower monthly payments or allow you to pay off your debt more quickly.

Learn more about how to consolidate loans through ACCC and about the pros and cons of private loan consolidation.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards
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