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Student loans: more may not be the PLUS you think.

Part of being a parent is wanting to protect your children from things that might harm them, including a heavy student debt burden. This is why many parents turn to the federal parent Direct PLUS Loan Program. These loans put the burden of payment squarely on the parent.   PLUS borrowing has grown from a Read more >

Worth it!

The numbers are intimidating: 40 million Americans owe roughly $1.2 trillion in student debt as of mid-June. As Kyle McCarthy observed in a Huffington Post article, 40 million is more than the entire population of Canada. These figures are especially intimidating for current students. With close to two-thirds of students using loans to pay for Read more >

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 Read more >

Public Service Loan Forgiveness.

The Public Service Loan Forgiveness program, or PSLF, rewards individuals who go into public service jobs. If those individuals make 120 monthly loan payments towards their student loan debt, the remaining balance is forgiven. This plan was created in 2007 under the College Cost Paper Reduction and Access Act. In a recent cheap nfl jerseys Read more >

What you need to know about defaulted student loans.

Student loan default rates are on the rise. Defaulting on your #2 student loans can have massively negative consequences: the federal government has powers to cheap mlb jerseys recapture your tax refunds, garnish your income without taking you to court, and can even garnish certain amounts and types of Social Security income. Not to mention Read more >

Income-Based Repayment option for student loan debt.

You’ve done it. After years of hard work, you’ve finally earned your degree and graduated from college.  What’s next? Finding a job and a place to wholesale MLB jerseys live, budgeting for basic living expenses, and hopefully starting to put money away for the future. For about two-thirds of college graduates, paying Mooie off student 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.

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