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Student Loans Payment

Student loans payment too high?

If your student loans payment is making your life difficult, there are several student loan solutions that can help.

College debt is a burden for many consumers. A high student loans payment can make it difficult to realize financial dreams like getting married, owning a home or saving for retirement. Delinquency on loans or student loan default is definitely something to avoid, as the financial consequences can make matters even worse.

When you need help to understand your options for lowering your student loans payment, contact the financial professionals at American Consumer Credit Counseling (ACCC) for assistance. Dedicated to helping consumers take control of their finances and find their way out of debt, we offer free credit counseling and can show you all of your options for student loan debt relief.

Lower your student loans payment with help from ACCC.

ACCC is a nonprofit organization providing financial counseling to individuals and families nationwide. From free credit counseling and free educational resources to a low-cost debt management plan, we offer a wealth of resources to help you manage your money more effectively.

ACCC credit counselors are certified and highly trained to help consumers make a plan to get out of debt and learn to live debt-free. When you contact ACCC for your free credit counseling session, we’ll help you get a clear picture of your financial situation. We’ll perform a detailed review of your income, expenses, debts and assets. Then we’ll walk you through all of the options for lowering or eliminating your student loans payment.

Ways to reduce your student loans payment.

Your ACCC credit counselor may recommend one of these common strategies for lowering or eliminating your student loans payment.

  • Consolidating student loans. To consolidate loans, you’ll take out a new loan at a fixed lower interest rate to pay off multiple existing loans that have higher or variable interest rates in order to lower your monthly payment and/or pay off your loan faster.
  • Seeking deferment or forbearance. You may be able to suspend your student loans payment for a period of time due to economic hardship or if you are entering the military.
  • Restructuring your payment plan. There are a number plans for repaying student loans that can lower your monthly student loans payment or set your payment to match your income level.
  • Seeking student loan forgiveness. Borrowers entering or working in fields like the military, teaching, healthcare or community service may be able to have their loans forgiven.

Learn more about ways to manage your student loans payment 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
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