You owe it to yourself.

Make the call.

Get student debt answers now.

A nonprofit NFCC® Certified Student Loan Counselor will review all of your finances and help you develop a personal debt repayment plan, all for a nominal fee.*

Get Started

What’s in it for you…

  • A thorough evaluation of your entire personal financial situation—not just your student loans.
  • An audit of your current loans and their terms.
  • Comprehensive, one-on-one guidance through all student debt repayment options.
  • A full financial game plan, including which debt repayment plans are right for you.

Here’s what comes next…

  • Set up a secure login.
  • Create your own confidential, financial profile online.
  • Be contacted by a nonprofit NFCC member agency.

Ready? Set up your profile here.

*Nonprofit, student loan counseling fees vary by NFCC member agency.

Student loan counseling.



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



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.



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.


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.


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.


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


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

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

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

For NFCC Media Inquiries:
Bruce McClary
Vice President of Communications