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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Student Loan Forgiveness

Do you qualify for student loan forgiveness?

When you have a lot of student loans, student loan forgiveness programs can be a very attractive option for getting out of debt.

Student loan forgiveness is available to borrowers who choose to enter certain fields as they start their career. Forgiveness programs are designed to encourage bright young minds in America to give back by entering fields such as teaching, public service, healthcare and the military. There are both federal and state student loan forgiveness programs, each with different criteria for qualification.

If you think you may qualify for student loan forgiveness or want to learn more about possibilities for student debt relief, contact the professional credit counselors at American Consumer Credit Counseling (ACCC). As a nonprofit organization dedicated to helping people find their way out of debt, we offer free credit counseling and can help you better understand your options for student loan forgiveness.

Learn about student loan forgiveness at ACCC.

At ACCC, our mission is to help people regain control of their finances and learn to live a life free of debt. In addition to free credit counseling, we offer a low-cost debt management program and free educational materials, including information on student loan forgiveness.

During your counseling session at ACCC, we’ll help take an in-depth review of your financial situation and your student loan repayments. Our counselors will show you all the options for paying down your loans, including student loan forgiveness, and help you choose the path that makes the most sense for you financially. We can also work with you to create a budget you can live with while you pay down your debt, and provide support at every step of your journey out of debt.

Alternatives to student loan forgiveness.

In addition to helping you understand your eligibility for student loan forgiveness, our counselors can walk you through all the possibilities for paying off student loans, including the pros and cons of each. These include:

  • Repayment plans that can lower your monthly payment.
  • Deferment and forbearance plans that enable you to stop making payments on your loans for a period of time.
  • Student loans consolidation, where you consolidate student loan debts by taking out a new loan with a lower interest rate to help lower monthly payments and/or pay off your debts more quickly. Our counselors can help you evaluate offers from various student loan consolidation companies.

Learn more about student loan forgiveness at ACCC, and about what to do about defaulted student loans.

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