All of our member agencies are non-profit organizations committed to helping you understand your student loan situation fully and implement the best possible solution(s) for you. All of our student loan debt counselors undergo extensive training to ensure that you receive the highest-quality service and student loan repayment assistance. When you get student loan counseling from our members, you get real unbiased advice designed to help you pay off your debt and achieve greater financial health.

Our comprehensive sessions are geared towards providing you with all the information and guidance you need to understand the complexities of your situation. Our member agencies have helped literally hundreds of thousands of families and individuals over many years and are here for you. Be careful of companies charging exorbitant fees and offering you one “quick fix” solution. Student loan debt is manageable if you fully understand the options available to you, and our non-profit member agencies are here to help.

Trained non-profit counselors will help with:

Assessment of your goals

  • Get out of default, stop garnishment, resolve delinquency, improve credit, go back to school, secure lower payments, achieve loan forgiveness, consolidate loans, simplify repayment, pay off your student debt faster, lower interest rate

Collection of accurate loan information

  • Loan type(s), loan balances, loan status, monthly payments, interest rates
  • Conversion & analysis of NSLDS file

Your Personal Budget

  • This is especially important for borrowers with defaulted loans

Eligibilty Questionnaire

  • Series of questions to determine eligibility for different programs, postponements, discharges, and cancellations

Making the Right Decision

  • Based on your circumstances, goals, and loan types, we provide recommendations for paying off student loans, including:
    • Income-Driven Repayment Plans
    • Consolidation
    • Postponement: Deferment and Forbearance
    • Loan Forgiveness (Income-Driven plans, Teacher Loan Forgiveness, Public Service Loan Forgiveness, Perkins Loan Cancellation)
    • Loan Discharge
    • Resolving delinquency

Implementation and Assistance

  • Provide assistance in implementing borrower’s solution, including:
    • Guidance with online applications for Income-Driven plans and consolidation
    • Conference calls with servicers to apply forbearance until applications are approved, to provide assistance in resolving delinquency, and to address any other borrower concerns
    • Conference call with collection agencies to establish rehabilitation programs

Fee Processing

  • At the completion of the counseling session only and with a money back guarantee

Action Plan

  • Provide a summary of solutions implemented during the counseling session, education about the loan options, and any necessary next steps for the borrower


  • Inform borrower of time frame for application to process, and advise borrower of necessary follow-up if application is not approved
  • Courtesy 60-day follow-up to check on status


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.