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Consolidating Student Loans– is it a Good Idea?

Graduation season is upon us, which means that a whole new batch of students will be entering the workforce. But with that anticipation comes the stress of having to repay your student loans. If you’re one of the millions of graduates dealing with student loan debt, you will want to know your options. So, are Read more >

How to Squeeze Your Budget to Pay Off Your Student Loans

When it comes to student debt, the longer it takes to repay your loans, the more expensive your education becomes. A negative about compounding interest… While repayment of your unsubsidized debt is deferred until you are out of school, the interest “meter” starts running as soon as each loan is disbursed. When you graduate, if Read more >

More Parent PLUS Loans 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 are available to the parents, who qualify, of dependent children who are attending college. They put Read more >


Student loan debt is becoming almost commonplace in America. According to the Student Loan Report, approximately 70 percent of college students in 2018 have student loans, with an average of $27,975 in debt per borrower. I’m not going to go further into the statistics; the more important topic to discuss is the impact that these loans Read more >

Student Loan Counseling: Worth It!

The numbers are intimidating. 44.2 million Americans owe roughly $1.48 trillion in student debt as of January 2018, and these numbers are increasing every day.   These figures are especially intimidating for current students. With close to two-thirds of students using loans to pay for college, it comes as no surprise that those currently in Read more >

How Grads Can Get Another Shot at Student Loan Forgiveness

The Trump administration is giving student loan borrowers who missed out on public service loan forgiveness a second chance, and they should move now to prepare. The recently passed $1.3 trillion federal spending plan sets aside $350 million to forgive student debts owed by borrowers who met all the conditions needed to qualify for the Public Service Loan Read more >

Get Help With Student Loans Before It’s Too Late

When applying for student loans, you were more likely focused on the end goal than on how to actually repay the loans. After all, at that point, it seemed like you’d have plenty of time to figure things out. The reality is whether you finished in four or five years or are just taking a 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