Graduated from "student in debt" to "I got this!"

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Why choose us?

The short answer for why you want to work with us is: trusted advice. Both the Consumer Financial Protection Bureau and Department of Education have warned consumers to avoid scammers and for-profit student loan debt relief businesses that see you as primarily a bottom-line opportunity and may charge thousands of dollars upfront. We’re actually in your corner and committed to serving as your financial advocate.

NFCC® Certified Credit Counselors are accredited financial advocates dedicated to helping borrowers resolve their money issues. Each counselor completes a rigorous certification program designed to make sure you receive the best possible education and advice, not just about your student loans, but your entire financial situation.

When it comes to repayment, the fact is it needs to be about more than lowering your payment today. It’s important to understand how your monthly payment could impact your ability to achieve your financial goals tomorrow. For this reason, every student loan counseling session begins with a review of your complete financial situation including your current source(s) of income and all of your outstanding debt (mortgages, car loans and credit card balances).

As we work together, this helps in understanding and evaluating your repayment options and in determining which ones best serve your long-term financial goals.

Whether you are still in school, a recent graduate or interested in reevaluating how you’ve been handling your repayment(s) since leaving school, we’ll provide the trusted answers you need to move forward with greater confidence.

What nonprofit means.

As nonprofit organizations, our member agencies are dedicated to improving the long-term financial well-being of anyone who asks for their assistance.

What none of us are here for is to profit from your situation. Member agencies will provide objective advice in the form of a personalized and comprehensive, step-by-step plan to help you realize the brighter future you seek.

Why comprehensive counseling?

It’s been found to make a difference.1

Improved their overall money confidence.

Say they are now paying debt more consistently.

Are able to save money.

1Research conducted at The Ohio State University in 2015 on behalf of the NFCC Sharpen Your Financial Focus program which involved clients who have student loan debt.

Who we are.

We deliver student loan counseling through our national NFCC member network. Each NFCC member agency has earned our seal by adhering to our high standards and ethical practices, and by ensuring each counselor is trained and certified by the NFCC. We are dedicated to addressing the needs of the more than 40 million Americans who currently have student loans through our Sharpen Your Financial Focus program.

For more on the NFCC, visit


Having our say.

Dr. Brady Deaton
Former Chancellor
University of Missouri

Dawn Lockhart
President & CEO
Family Foundations of Northeast Florida

Debbie Bianucci
President & CEO
Bank Administration Institute

Dr. Charles P. Blahous III
Public Trustee
US Social Security and Medicare Programs

Jeff Faulkner
Executive Vice President, NFCC
and Former President, Ways to Work, Inc.

Paul Kaloustian
Senior Vice President
Bank of America

Tom La Centra
Executive Vice President
Wells Fargo

Maxine Sweet
Former Vice President of Financial Education
Experian North America

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