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

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

Student Debt Consolidation

Learn about student debt consolidation at ACCC.

When you’re having trouble repaying student loans, you may want to consider student debt consolidation.

Combining multiple loans into a single new loan, student debt consolidation can help to make it easier to repay student loan debt. By increasing the amount of time over which the loan must be paid back, student debt consolidation can help to lower your monthly payments. Converting multiple loans with variable interest rates to a single loan with a fixed rate can also provide more stability and possibly reduce the amount of payments each month.

Student debt consolidation is not without its drawbacks, though. If the original loans have any benefits such as interest rate discounts, rebates or forgiveness possibilities, these may be lost in the consolidation process.

To understand the pros and cons of student debt consolidation and for advice in evaluating student loan consolidation companies and programs, contact the financial professionals at American Consumer Credit Counseling (ACCC).

Get help with student debt consolidation.

ACCC is a nonprofit organization dedicated to helping people just like you find their way out of debt and make a plan to live debt-free in the future. We provide free credit counseling, a wealth of educational materials and tools, and a low-cost debt management plan that can help you manage your debt more effectively.

When you contact ACCC for a credit counseling session to discuss student debt consolidation, our certified credit counselors will outline all the steps involved in consolidating debt. We’ll help you understand the many alternatives available for managing student loans, including restructured payment plans, deferment and forbearance, and student loan forgiveness. Our counselors will also help you understand how to avoid student loan default.

Your ACCC credit counselor will also work with you to get a clear picture of your financials, including your income, expenses and assets, and present you with personalized options for ways to repay your student loans and eliminate other debts.

Alternatives to student debt consolidation

If you determine that student debt consolidation is not the right fit for you, you may want to consider these other options:

  • Student debt forgiveness programs, where the balance of your loans may be forgiven when you enter the field such as teaching, the military, healthcare or community service, or if you have worked for a government organization for a period of time.
  • Deferment and forbearance programs, which enable you to suspend payment on your loans for a certain period of time until you get back on your feet financially.

Learn more about student debt consolidation 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
creditU

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