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.


Resources & Tools

Repaying Overview

You’ve received your diploma for your secondary education – now what? It’s time to start the process for student loan repayment, which is not something you want to put off. Delinquency can destroy your credit and cause you to go deeper into debt. If you default on your loans (meaning delinquency for 270 days), the government will begin to intercept your tax refunds and garnish your wages. Anyone who co-signed the loan will also be open to this, and because there is no statute of limitations on federal loans, the government can sue you at any time.

Depending on the conditions of your student loans, you will need to begin repayment after you’ve graduated, dropped out, or dropped to part-time student status, typically six months out. Make sure you understand all of your student loan repayment options and the various programs offered to federal student loan borrowers, including consolidation.

If you are unable to meet the terms of your repayment, you may want to consider deferment or forbearance. Depending on your line of work or situation, you may be eligible for student loan forgiveness as well.


Student Loan Repayment Options

Get more information on income-based, standard, and extended repayment plans, plus other options for repayment. There are a number of programs available to work with your current budget.

Deferment And Forbearance

If making payments now is not an option, you may qualify for deferment or forbearance. There are pitfalls to delaying payments, however.

Understanding Student Loan Consolidation

Student loan consolidation eases the payment process and can improve your interest rates. Find out more pros, but also cons, on school loan consolidation here.

Student Loan Forgiveness

If you are working in public service or have extenuating circumstances, you may find that your loans could be forgiven after a period of time.


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: debt-resources-tools/student-loans/repaying-overview
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=repaying-overview
Loaded Template: taxonomy-debt_resources_category.php