Choose help over avoidance.

When applying for student loans, you’re more likely to be focused on the goal—being approved—than on how you’ll actually repay the loans. After all, at that point, it seems like you’ll have plenty of time to figure things out.

Not being ready to address repayment isn’t unusual. Employment opportunities may be different from what you expected. Unanticipated changes in your education or family situation can also complicate repayment plans.

The good news is that you have options. Those repayment options can adjust to your current financial situation, but this isn’t always apparent. The complexity of sorting through numerous options can easily become overwhelming.

Knowing where, when and how to repay shouldn’t be such a challenge. As a nonprofit NFCC® member agency, we serve as your advocate, intervening between you and your lenders to get you the fairest repayment plan possible, at the lowest rate and in an amount that is affordable for you.

We help you…

  • Become aware of available solutions.
  • Discuss and negotiate your situation with your loan providers.
  • Arrange affordable monthly payments.
  • Budget and plan for repayment.

Get Answers Today.

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.

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, 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