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The Differences Between Your Student Loans

 By Tara Carter Classes are back in session and thousands of students across the country are preparing for the upcoming fall semester. For many students, applying for student loans played an important role in the college process. Along with many other factors that come along with student loans, you’ll want to know the differences between Read more >

Everything to Know About Student Loan Interest Rates

  By Tara Carter Like any other loan, student loans carry interest for borrowers. There are many different factors that can contribute to determining what a borrower’s interest rate may be; for example, the type of loan it is, and whether it is a federal or private student loan. First, before comparing different interest rates, Read more >

Changes in FAFSA Beginning 2017 You Should Know

By Barry Coleman In September 2015, President Obama announced changes to the Free Application for Federal Student Aid (FAFSA) process that will impact the millions of students and their families applying for federal student aid.  These changes will allow students to submit the FAFSA earlier than they have been able to in previous years.  For Read more >

Federal vs. Private Student Loans

 By Tara Carter Student loans are on the minds of many around this time of year as prospective students and their parents face the decision to either apply for federal, or private student loans to pay for tuition and other college fees. In most cases, it’s better to use federal student loans due to their Read more >

Knowing How to Spot Student Loan Scams

     By Tara Carter The thought of repaying student loans can be very stressful, therefore it’s no surprise that so many struggling borrowers consider reaching out for help. When seeking outside advice on the best methods of repayment, it’s easy to come across offers that base their fees on false claims when it comes to Read more >

Preparing for Good Spending Habits in College

 By Tara Carter College is a time for expanding your mind, meeting new people, and knowing the trials and errors that come with being in control of your own finances. While all of these things can be new and exciting, the harsh reality of all the new found responsibilities come along with these moments as Read more >

How are Student Loan Amounts Determined and Distributed?

By Tara Carter You’ve just graduated high school, and now it’s time to start thinking about college. Along with many other determining factors, cost seems to be at the top of everyone’s list when determining where they want to go to school. For many, paying for college out-of-pocket isn’t an option. So, as an alternative, Read more >

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