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Debt Management Program

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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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Federal Student Loan Relief

Get federal student loan relief with help from ACCC.

Struggling with repaying student loans and looking for federal student loan relief? You’re not alone. Many individuals find themselves burdened with federal student debt years after they have received their diploma from college or graduate school.

American Consumer Credit Counseling (ACCC) can help. We’re a nonprofit organization dedicated to providing free credit counseling, information and educational materials and tools to people who are trying to find their way out of debt. Our certified credit counselors can identify all the possibilities for federal student loan relief and help you create a plan to pay down your debt as quickly as possible.

Options for federal student loan relief.

When you come to ACCC for free credit counseling, we will help you explore all the possibilities for federal student loan relief. These may include:

  • Student loan repayment plans. You may be able to get federal student loan relief by changing your repayment plan to lower your monthly payments or reduce the amount of interest you’re paying on your debts.
  • Deferment and forbearance. If you’re facing unemployment or certain economic hardships, you may be able to suspend payments for a limited period of time until your back on your feet financially.
  • Student loans consolidation. Consolidation provides federal student loan relief by combining several debts into a single new loan, ideally with lower interest and lower monthly payments.
  • Student loan forgiveness. Borrowers who are entering the fields of community service, military service, health service, or teaching may find student debt relief by having their loans forgiven. A federal student loan forgiveness program is also available for borrowers who are employed by government entities and certain nonprofit organizations.

Federal student loan relief begins at ACCC.

At ACCC, our credit counselors will not only explain your options for federal student loan relief but will help you get a clear picture of your entire financial situation and make a plan to get out of debt.

During your counseling session, we’ll create a detailed picture of your income, assets and expenses and provide personalized options for paying down your debt. Our counselors can also refer you to educational materials and resources that can help you manage money more effectively.

Learn more about ACCC and about federal student loan relief, student loan default help and other ways to find student loan debt relief.

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