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.


Student Education Loans

Overwhelmed by student education loans?

Paying off student education loans can be daunting, especially when college debt seems overwhelming. Student education loans can have a serious impact on your finances well into your 30s, 40s and even 50s. Many people find that student debt prevents them from reaching financial goals such as buying a house, saving for retirement or paying for a child’s education.

If you’re seeking ways to pay down your student education loans faster, American Consumer Credit Counseling (ACCC) can help. We’re a nonprofit organization that provides free credit counseling, educational materials and a low-cost debt management program to individuals and families nationwide. Our goal is simple: to help you get out of debt as quickly as possible and make plans to live life debt-free in the future.

How ACCC can help with student education loans.

When you contact ACCC by phone or in person for a free credit counseling session, our professional credit counselors will work with you to get a clear picture of your financial situation and the amount you owe on your student education loans. Next we’ll lay out all the options available to you for ways to repay your loans and get out of debt for good. Our counselors will help you make a budget that you can live with and work with you every step of the way on your journey out of debt.

Options for repaying student education loans.

Your ACCC counselor can direct you to student loan programs and help you understand how to repay student loans most effectively. Options for paying off your student education loans may include:

  • A new repayment plan with terms that better match your income and your budget. Some plans reduce your monthly payment by extending the length of the repayment period for student education loans, while others adjust your monthly payment based on your income.
  • Deferment and forbearance options are available to borrowers experiencing financial hardship or who are entering military service. Deferment and forbearance arrangements enable you to suspend payments for a certain period of time.
  • Student loan consolidation involves taking out one new loan to pay off multiple existing student education loans. With just one check to make each month, keeping up with payments is much easier. Consolidation with a low-interest loan may lower the amount of your monthly student loan repayment, while consolidating variable interest rate loans into a single fixed interest loan can bring more stability.
  • A federal student loan forgiveness program is available to borrowers entering certain fields such as teaching, military service, community service and health care.

Learn more at ACCC about ways to repay student education loans and about consolidating private student loans.

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