You owe it to yourself.

Make the call.

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Get student debt answers now.

Whether you’re looking for quick, online answers to your student loan questions or a full game plan for your finances and student debt, count on us for unbiased guidance.

Quick answers.

Get free and easy access to trusted resources for making your own repayment adjustment decisions.

Access:

  • Consumer Financial Protection Bureau’s and Department of Education’s tools
  • Helpful blog articles
Tools

Full plan: student loan counseling.

For a modest fee, an NFCC® Certified Credit Counselor can provide you with a personalized, one-on-one financial review, including an evaluation of your student loan repayment options.

Receive:

  • A thorough financial review
  • A personal plan for repaying debt
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Our approach.

With our smart money approach to addressing your finances and student loan debt, you’ll find out:

  • Which federal repayment programs you qualify for.
  • Your best options for addressing private loans.
  • How to improve your money management skills.

After going through a counseling session, you’ll also receive for a nominal fee:

  • A thorough financial review.
  • A plan for repaying your loans in a way that serves both your short- and long-term goals.
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Counseling fees may vary by member agency and typically range from $50–$200. NFCC members rely on funding from grants and other corporate donors, and member agencies’ fees are as low as possible, while covering costs. Find out why here.

Quick answers are ideal for those…

  • Singly focused on lowering monthly payments through an income-based repayment plan.
  • Confident with their own money management skills.
  • With a relatively simple financial situation and no other debt beside student loans.
  • Seeking free online resources and quick answers.

Full plan is best suited for those…

  • Who value personal attention and one-on-one professional guidance for a nominal fee.
  • Who want to evaluate all student debt repayment options in the context of their personal goals and other debt.
  • Who are time stressed and need assistance.
  • Who are fearful of making a quick decision that could cost them more money in the long term.

Student loan counseling.

1

Comprehensive

review of your financial situation, including current income, living expenses, all debt and your long-term goals.

2

Customized

game plan that doesn’t undermine your personal short- and long-term goals by just directing you to a plan with the lowest current payment.

3

Complete

assessment that looks beyond income-based programs and consolidation to see if other avenues for retiring your debt might be available and make more sense for you.

Why choose us?

Gain access to over 60 years of experience helping borrowers like you get answers to all of their debt-related concerns, including student debt solutions.

Answers

We are experts on the ins and outs of student borrowing and repayment and on how to minimize its impact on your overall financial health. We work with you every step along the way until your issues are resolved.

Nonprofit

You always know where you stand and who to call with questions about your student loans and any other financial issues that arise over time.

Local to you

NFCC member agencies have office locations in all 50 states and Puerto Rico, which are staffed by NFCC Certified Credit Counselors.

I made the call.1

Sure it bothers me, paying on loans for a degree I didn’t finish. But, I had to press on and find an affordable way of doing that without bankrupting my future. Fortunately, I didn’t have to find it on my own.

Back then, I figured they wouldn’t give me more than I could easily pay back. Wrong. Thankfully, I got the answers and a full-blown plan that helped me work through it and get it done!

I’d be lying if I said I’m not concerned signing for these loans. I see the headlines. I just want to stay on top of things by getting advice from the start that can keep me on track for reaching my long-term goals.

1Stories above represent a compilation of actual NFCC client experiences.

Be informed.

Knowledge is power. To help you make the best decisions possible for your future, we keep you updated with access to a wealth of useful tools and resources.

Articles

Get the latest insights on recent news regarding student loans and your personal finances.

Tools

From calculators to definitions, find what you need to make better financing and repayment decisions here.

Who is the NFCC?

Founded in 1951, the National Foundation for Credit Counseling® (NFCC®) is the nation's first and largest nonprofit dedicated to improving people's financial well-being.

NFCC members help millions of consumers like you through community-based offices located in all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

Member agencies are able to offer their services for nominal fees based on their current funding status. Funding for operations and services comes from an ever-changing combination of federal, state and local government grants, as well as donations from financial industry participants and private donors.

For more on the NFCC, visit www.NFCC.org

Thank you to our funders.

The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony Financial, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit www.SharpenToday.org.

National Foundation for Credit Counseling
2000 M Street, NW
Suite 505
Washington, DC 20036

For NFCC Media Inquiries:
Bruce McClary
Vice President of Communications
Email: bmcclary@nfcc.org

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Congratulations!

You’ve just taken the first step toward addressing your student loan debt concerns.

Locating Member Agency…

A representative from this NFCC® member agency will contact you to schedule an appointment.

Feel free to reach out directly to schedule your appointment now using the contact information above. You will receive a confirmation email that will also contain the member agency’s contact information.

In the meantime, we invite you to learn more about our other programs and how they might help you as money-related issues and questions come up in your daily life.

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