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 Loan Consolidation Companies

Looking at student loan consolidation companies? Call ACCC first.

When you’re overwhelmed by student debt, student loan consolidation companies can provide a way to reduce your monthly student loan payment with a consolidation loan. But not all student loan consolidation companies provide equal value, and before you sign on the dotted line it’s a good idea to consult a financial professional.

There pros and cons to student loan consolidation. Potential benefits include:

  • Reduced interest rates and lower monthly payments.
  • More financial stability with a fixed interest rate.
  • Simpler finances, with just one payment to make each month.

But student loan consolidation companies have their drawbacks as well. If you’re not careful, you may end up with a new loan that doesn’t save you much money at all. And if you don’t address the conditions or behavior that got you into debt in the first place, you may find yourself just as deeply in debt within a matter of a couple years.

As you compare student loan consolidation companies, the credit counselors at American Consumer Credit Counseling (ACCC) can provide valuable information to help you make the best choices on your journey out of debt.

Evaluate student loan consolidation companies with help from ACCC.

ACCC is a nonprofit organization that seeks to help individuals and families find their way out of debt and live debt free in the future. We provide free credit counseling and a low-cost debt management program, as well as a wealth of educational tools such as a student loan calculator and a financial planning worksheet that can help you manage money more effectively.

When you contact ACCC by phone or in person for a free credit counseling session, we’ll help you get a clear picture of your finances and walk you through all the options for student loan relief. If consolidating student loans seems like the most effective choice, our counselors can help you compare offers from student loan consolidation companies to ensure you make the best decision for your situation.

Alternatives to student loan consolidation companies.

ACCC credit counselors can help you explore alternatives to student loan consolidation companies that may be a more beneficial. These may include:

  • Repayment plans to lower your monthly payments.
  • Deferment or forbearance arrangements to suspend payments for a period of time.
  • A student loan forgiveness program, available to borrowers working in fields such as the military, healthcare, teaching or public service.

Learn more about student loan consolidation companies and ACCC, and about ways to consolidate 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-loan-consolidation-companies
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=student-loan-consolidation-companies&page=
Loaded Template: single-resource-pages.php