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.

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Credit Card Repayment Calculator

Get a free credit card repayment calculator.

Carrying a lot of credit card debt and want to know how long it will take you to pay off your cards? Use our credit card repayment calculator to see how many months or years it will take to pay down your debt.

The credit card repayment calculator lets you enter the amount you owe, the annual interest rate charged by your credit card company, and the minimum payment required. The repayment calculator will then tell you how many years it will take to pay off your cards, and how much you will pay in interest.

You can also use the repayment calculator for other types of debts, or to help you make a decision about taking out a secured vs. unsecured loan.

What a credit card repayment calculator may tell you.

When using a credit card repayment calculator, you may be surprised at how long it will take to pay off your cards if you only make the minimum payment each month. That’s because most of the minimum payment goes to pay off the interest that accrues on your account each month.

You may also be surprised at how much the credit card repayment calculator says you’ll have to pay in interest before you’ve paid off your cards in full. That’s because many credit card companies charge a high rate of interest, and when you only make the minimum monthly payment, the total amount of interest can really add up.

After using a credit card repayment calculator: call ACCC.

After calculating your repayment time and interest, you may feel overwhelmed by how long it will take and how much you’ll have to pay. You may even feel like you’ll never be able to get out of debt. But help is available from American Consumer Credit Counseling (ACCC). We’re a nonprofit organization dedicated to helping people just like you pay off their credit cards and find their way out of debt.

In addition to lots of free tools like our credit card repayment calculator, we offer free debt advice and affordable debt management services that can help you pay off your debts and learn to live a debt-free life. Our debt management plan, for example, is a highly effective money management strategy that has helped thousands of individuals and families get out of debt more quickly – usually within five years or less.

Contact Us Today for a Free, No Obligation Consultation With a Credit Counselor. What Does a Credit Counselor Do? the Certified Credit Counselors at Accc Will Help You Take Stock of Your Situation and Provide You With a Range of Options for Paying off Your Debt. They Can Also Direct You to a Wealth of Educational Resources on Our Website Where You Can Learn More About Budgeting, Saving for Retirement, Choosing a Secured Loan Vs Unsecured Loan, and Much More.

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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