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


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


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

Student Loan Repayment Options

If you like our content, make sure to subscribe to our channel! 

The average student loan debt is more than $35,000. If you are ready to start repaying your Federal student loan debt, there are several repayment options available to you.

Most borrowers start with the standard plan and adjust their repayment option as needed. There are 3 repayment plans that have 10-15 year loan terms, with fixed or graduated payments and typically cost the least in interest.

a. Standard repayment plan
i. Up to 10 years
ii. Plan with the least amount of interest paid over time

b. Graduated repayment plan
i. Up to 10 years
ii. Payments increase every two years


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/videos/money-management-videos/student-loan-repayment-options
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/money-management-videos&debt-resources=student-loan-repayment-options
Loaded Template: single-debt-resources.php