Nonprofit
Student Loans
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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Starting Point
and you only pay the minimum balance
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Most Costly
in credit card debt
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Better Option
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Best Result
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No Obligation
No Pressure
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Schedule your free student loan counseling session today and take the next step toward a stronger financial plan.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
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Direct Subsidized Loans generally do not charge the borrower interest while enrolled at least half-time or during the six-month grace period. Direct Unsubsidized Loans begin accruing interest when the loan is disbursed. Understanding how interest accrues can help you plan for repayment.
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Student loans can help cover eligible education expenses such as tuition, fees, books, supplies, and certain living costs. Depending on the loan, repayment may begin after you graduate, leave school, or drop below half-time enrollment. Loan terms, grace periods, and interest rules vary, so it is important to understand the terms of each loan.
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Start by completing the FAFSA. Review the financial aid offered by your school, including grants, scholarships, work-study, and federal student loans, and borrow only what you need. First-time federal Direct Loan borrowers generally must also complete entrance counseling and a Master Promissory Note.
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Yes. Student loans generally appear on your credit reports as installment accounts. On-time payments can contribute to a positive payment history, while late payments or default may negatively affect your credit. The exact impact on a credit score depends on your overall credit profile.
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Federal and private student loans are not included in a Debt Management Program. However, if you also have credit cards or other eligible unsecured debt, a counselor can review your full budget and determine whether a DMP for those debts may help improve your overall cash flow and create more room for your student loan payments.
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Yes. Your initial counseling session with Credit.org is free. A counselor can review your student loans as part of your overall financial picture, including your budget, credit, and other debts. There is no obligation to enroll in a program, and you can take the information and resources from your session with you.
Private & confidential
Educational guidance
HUD-approved agency
No sales pressure
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