What is student loan counseling ?

If you’re struggling to repay student loans or concerned about the impact of student loans on your overall financial outlook, you can find answers with non-profit student loan counseling. Our member agencies’ specially trained student loan counselors can help you identify the right solution for paying off your student loans and guide you through the numerous repayment options, step by step.

FCAA Student Loan Crisis Position Paper

Locate a non-profit counselor in your state

Where do I start ?

You already have!

You will find information about student loan repayment strategies and online resources throughout this site. You can also call us now at 800-867-8932, have a counselor contact you at your convenience by completing our brief online form on the right side of the page, or locate a counselor providing student loan counseling services close to you by clicking the locator button above. Subscribe to our newsletter for periodic news and announcements from our non-profit member agencies.

Our Counselors:

Assess your short- and long-term goals

Assist in collecting your loan information

Create a budget so you completely understand your financial situation

Use a Detailed Questionnaire/Interview to help you ascertain the various possibilities available for you

Provide you information that helps you move forward based on all financial factors–not a “one size fits all” approach

Assist you with the necessary steps for enrollment in various student loan programs

Formulate an Action Plan so you can confidently reach your objective

Follow-up to help you stay on track

Charge a Nominal Fee with a money back guarantee


DISCLAIMER: Please note that you may obtain consolidations or other relief programs by yourself for free from the government. The information provided on this site gives you significant information to do so. The additional assistance our member agencies offer is private, optional and not required to be used. Studentloancounselors.org, FCAA or our member agencies providing these services are not related to or part of the Department of Education. Our non-profit member agencies services are not related to credit repair and the member agencies make no promises, claims or guarantees regarding your credit score.

Recent News

More than 90% of student debt today is in the form of federal loans. If you graduated from college recently and have a federal loan, you may have the option to temporarily postpone your payments, extend them, or lower them. The challenge is figuring out which of the eight major federal repayment plans is best for your situation.
The Federal Reserve’s decision to raise interest rates for the first time since 2006 likely won’t affect most student loan borrowers—not this year, at least.
Some of you may be familiar with the Pay As You Earn (PAYE) Repayment Plan, which caps payments at 10% of a borrower’s monthly income and forgives any remaining balance on your student loans after 20 years of qualifying repayment. But this plan is only for recent borrowers. REPAYE solves this problem. Like the name implies, REPAYE has some similarities to PAYE. First and foremost, REPAYE, like PAYE, sets payments at no more than 10% of income. However, REPAYE—unlike PAYE— is available to Direct Loan borrowers regardless of when they took out their loans.
Federal lawmakers are looking to repeal a provision in the recently passed U.S. budget that allows the government to robocall and text cellphones to collect debts, including student loans.
Student loans are coming due for borrowers who graduated or left school in May. But choosing the best repayment plan while avoiding misinformation and student loan scams isn't always easy.
As part of the Obama Administration's commitment to helping students and borrowers, the Department of Education is announcing the publication of two regulatory packages that will protect students in the rapidly-expanding college debit and prepaid card marketplace and add a new income-based repayment plan so more borrowers can limit the amount of their payments to 10 percent of their income.
Repayment on the most common student loans (federal Stafford loans) starts six months after the borrower graduates. So, if like most new college grads, you donned a cap and gown in May of this year, it’s about time to pay up. Paying off student loan debt can be intimidating, but there are many things you can do to reduce the stress of the situation.
The changes, which will be implemented over the course of 2016, will significantly affect the process of filing for federal financial aid and, for some families, the amount of aid they'll receive. For families of current and prospective college students, here are the changes to be aware of – and how to manage them.
In a report that came out this September, the CFPB examined student loan servicing practices and came up with a set of guidelines for how to fix problems in this business. The CFPB and Department of Education have also issued “joint principles” on how to clean up loan servicing, although they fall short of being stringent regulations or actual laws. In the interim, here is what you need to know when dealing with your own student loan servicer.
The Free Application for Federal Student Aid (FAFSA) helps determine a student’s eligibility for aid by asking for information on the income and assets of the student and his or her parents for the previous year. Since the FAFSA can be completed as early as January 1, and because many schools want the form filed early in the year, families commonly fill out the form with estimates of their previous year’s income and then adjust the figures later after completing their tax returns. This has sometimes created problems that affected students’ financial aid packages. To simplify and streamline the process, the Obama administration recently changed the application guidelines in a way that will affect college planning for most families.