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.


Government debt consolidation programs

The Pros and Cons of Debt Management Plan versus Government Debt Consolidation programs.

If you’re struggling to repay your student loans, government debt consolidation programs may be a helpful option. Most federal loans are eligible for Direct Consolidation, including Direct, Stafford, Perkins loans, and more.

With government debt consolidation programs, you’ll consolidate multiple loans into a single new loan, with a new interest rate and payment terms. With just one check to write each month, you’ll find it easier to keep track of your loan payments. Additionally, a government debt consolidation plan can lower your monthly student loan payments by increasing the amount of time you have to pay back the loan and giving you access to other repayment options. If your original student loans have variable interest rates, government debt consolidation programs can convert your debt to a fixed interest rate, providing more predictability and possibly a lower monthly payment.

One of the drawbacks of government debt consolidation programs is that if your previous loans had benefits like rebates, interest rate discounts, or forgiveness, you might lose those benefits after consolidating.

Explore all your options for paying off debt before choosing one.

Explore what a Debt Management Plan can do for you.

Are Government Debt Consolidation Programs right for you?

Government debt consolidation programs are an excellent option for many people, but not necessarily for everyone. When you’re having difficulty making student loan payments, there are many options available to you, and it’s helpful to talk to a debt counselor who can walk you through different strategies for reducing your debt.

American Consumer Credit Counseling (ACCC) is a nonprofit debt counseling agency providing free credit counseling and low-cost services to consumers nationwide. Our certified and highly trained counselors can explain all the ins and outs of government debt consolidation programs, and help you decide which one is right for you.

Debt Management Programs as an Alternative to Government Debt Consolidation Programs.

At ACCC, our counselors help you to understand all the options available to you for paying your student loans or managing additional debt. We often recommend a debt management program as a highly effective alternative to government debt consolidation programs, and for people seeking debt consolidation with bad credit. Under a debt consolidation program, consumers consolidate monthly payments instead of debts, and our team works with their creditors to seek reductions in finance charges and late fees, and to re-age accounts, helping to reduce the total amount owed.

Further, we offer a wealth of information about money management and credit counseling online. These materials are free of charge and can help consumers budget more efficiently and learn more about how to reach their financial goals.

Learn more about debt management plans at ACCC.

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

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: government-debt-consolidation-programs
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=government-debt-consolidation-programs&page=
Loaded Template: single-resource-pages.php