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.

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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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Private Loan Consolidation

Get help with private loan consolidation at ACCC.

When you have a number of debts and want to consider private loan consolidation, it’s a good idea to seek financial advice from American Consumer Credit Counseling (ACCC) first.

We’re a nonprofit organization dedicated to providing free credit counseling and financial education along with a low-cost debt management program. Our certified credit counselors will help you understand the pros and cons of private loan consolidation before you make a decision about consolidating loans.

Private loan consolidation involves seeking a loan from a bank or credit union to consolidate credit cards or pay off multiple loans from other lenders. By securing a new loan with a lower interest rate than the old debts, you may be able to reduce the total amount of interest paid over time. Taking a new loan with a longer repayment period can help to lower your monthly payments.

There are pros and cons to private loan consolidation — depending on the details of your financial circumstances, there may be better options available to help you pay down your debt more quickly. An ACCC credit counselor will help you evaluate your choices and choose the best option for your financial goals.

Understand the benefits and risks of private loan consolidation.

When you contact ACCC for a free credit counseling session in person or over the phone, our highly trained counselors will work with you to clearly understand your financial picture and perform a detailed review of your income, expenses and assets. Your counselor will then show you all the options available to you, including private loan consolidation, based on your financial situation and your financial goals.

We can also put you in touch with other financial resources that may benefit you, and direct you to free educational materials on our website that can help you to manage your money more effectively. These include tools for budgeting, planning for retirement, improving your credit, and preparing for homeownership, as well as a debt consolidation calculator and information on many other financial matters.

Alternatives to private loan consolidation.

When private loan consolidation is not the best option, we may recommend a low-cost debt management program. Unlike loan consolidation, a debt management program does not require you to take out new consolidation loans, but rather consolidates multiple payments to creditors into one payment to ACCC. We take responsibility for paying your creditors on time each month while working with your creditors for a possible reduction in finance charges, over-limit charges, late fees and monthly payments. A debt management program with ACCC can significantly simplify your financial life, and help you pay off your debt more quickly.

Learn more about private loan consolidation in debt management programs 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

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