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.

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Student Loan Services

Get relief from college debt with student loan services.

When college debt is making your life difficult, there are a wide variety of student loan services that can help.

Student debt is a problem for many consumers. Graduates with lots of college loans often find it hard to

repay student loan debt as they are just starting their careers. Many consumers end up paying towards their student loans throughout their 20s, 30s and often into their middle years. These consumers may not be able to reach other financial goals like owning a home, getting married or saving for retirement.

The good news is that there are student loan services available to help with high college debt. When you want to explore your options for debt management  easily, American Consumer Credit Counseling (ACCC) can help

Connect with ACCC.

ACCC is dedicated to helping consumers find their way out of debt and avoid debt in the future. As a nonprofit organization, we offer free credit counseling, a low-cost debt management plan and free access to educational materials like a financial planning worksheet and budget calculators on our website.

When you contact ACCC for counseling, we’ll first review your financial situation including your income and expenses as well as your assets and debts. Then we’ll present you with all the options that make sense for your situation and your financial goals. Our trusted counselors will work with you to build the most effective plan for getting out of debt as soon as possible.

Types of student loan services.

There are many student loan services that may be helpful to you as you work to pay off your college loans. Some of these include:

  • Deferment and forbearance. Your student loan payments may be suspended for a period of time because of economic hardship or military service.
  • A student loan forgiveness program. Certain student loan services enable you to qualify for loan forgiveness when choosing a career in fields such as military service, healthcare, teaching or public service.
  • Loan consolidation. These student loan services enable you to pay off multiple loans that have high or variable interest rates with a single new loan at a low fixed interest rate, helping you to save money and pay off your debt more quickly.
  • Alternative repayment plans. Some student loan services allow you to reduce your monthly payment to a level that works with your budget, or make graduated payments that get larger over time.

Learn more about debt management at ACCC, 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

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