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Paying for College: Community vs. Four-Year Colleges

 By Tara Carter Tuition costs are a hot topic among current and prospective students across the country. For most, college costs can be the main deciding factor when choosing where to attend school. Here lists the average yearly cost of tuition between two, and four year colleges: Public Two-Year College: $3,440 Public Four-Year College for Read more >

Best Credit Cards for Students

 By Tara Carter As a college student, the last thing most worry about is credit. However, getting a credit card and establishing good credit while in school gives you a head start to make things like buying a car easier post-graduation. Other benefits of having and maintaining good credit include better insurance rates, more negotiating Read more >

What You Should Be Doing with Your College Refund Check

 By Tara Carter Its refund season! Around this point in the semester, colleges and universities around the country are beginning to disperse refund checks. To some, these checks act as free spending money, however many forget these checks are part of your student loans that carry interest. So, the question is what should students really Read more >

For-Profit School Closures: What Student Loan Borrowers Should Know

 By Bruce McClary  The recent shutdown of ITT Technical Institute and the controversies surrounding Trump University have put for-profit colleges and student loan debt back in the forefront of the news cycle. Students attending private, for-profit colleges only comprise 12% of all who attend institutions of higher education in the United States. While small in Read more >

5 Ways to be Frugal When First Starting Your Career

 By Tara Carter Every fresh graduate looks forward to their first real paycheck as they begin their new career after college graduation. However, not everyone knows what to do with this new regular flow of income. College graduates spending styles range anywhere from uncontrollable spending to strict savings; but what should these new college graduates Read more >

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 >

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