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What Clients Say About Us

What does debt relief feel like?  Here’s what some of the clients NFCC members have helped recently, have to say about how our services improved their finances and their lives.

Moving forward

Julie K – Minnesota

LSS Financial Counseling

None of this was my fault, but it was my problem. Years ago, I co-signed a loan with my then-husband. After we divorced, it stayed in his name. I made payments until the bank notified me the debt was forgiven. It wasn’t.

I was unknowingly in default on my student loan. It was affecting my ex-husband’s credit score and mine, just as I was planning to remarry. The most stressful thing was not getting answers about how to fix this. Then I talked to a NFCC Certified Student Loan Counselor. I finally felt like I could breathe again. It turned out only a portion of my debt was waived. 

Working with my NFCC Certified Student Loan Counselor, we created a repayment plan that let me walk down the aisle, not just caught up, but debt-free.

A healthier outlook

Sonji H – Iowa


I didn’t leave school by choice. Two major health issues made the decision for me. By then, I had about $14,500 in federal student loans. Given my circumstances, I defaulted. Having those loans in my past prevented me from accessing new credit, which I need. My ultimate goal is to become a homeowner.

Working with a NFCC Certified Student Loan Counselor, we got my loans transferred into a rehabilitation plan. After I made timely payments for nine months, I qualified for an income-driven repayment plan with a new servicer.

Within a year of my initial call, my credit score had recovered almost 100 points thanks to the removal of the defaulted student loan status and my new record of timely payments. Now, I’m back on track to realizing my ultimate goal.

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