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

Bankruptcy

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

Wait!

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.

Yes

Resources & Tools

What To Know Before Cosigning Student Loans

Parents who cosign a loan can help their child secure a loan and help them get a lower interest rate.When a parent cosigns their child’s student loan, they also become partially responsible for paying off that debt.

ACCC explains what to know before cosigning a student loan:

1. It may negatively affect your credit score.

If your child misses a payment on the student loan, your credit score can be negatively impacted.

2. Be prepared to pay.

You need to make sure you are financially stable enough to step in and pay if your child misses some or all of a payment.

3. Talking with a financial professional could help.

You may want to speak with a financial professional to find out the impact on your finances if you do have to step in and pay the loan.

4. Parents’ loan requests will be affected.

Your child’s student loan will not only appear on their credit report, but on yours as well when you cosign.

5. It may change the dynamic between a parent and child.

When you cosign for your child, it will naturally lead to tough conversations.

6. There may be better options.

Consider alternatives such as assisting your child in building credit by developing a savings plan.

Dev Tool:

Request: debt-resources-tools/videos/informational-videos/what-to-know-before-cosigning-student-loans
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/informational-videos&debt-resources=what-to-know-before-cosigning-student-loans
Loaded Template: single-debt-resources.php