NavigateYour Student
Loans with Confidence

Struggling to pay your student loans?  We can help.

At Credit.org, we are dedicated to helping you navigate the complexities of student loans. Asking your loan servicer for a forbearance or deferment without getting information about the consequences of doing so or understanding if there are other options is essential to your financial well-being. Our expert counselors provide personalized support to help you understand your options and make informed decisions.
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Benefits of Student Loan Counseling

Get Clear Guidance on Your Student Loan Options

Student loan counseling helps you understand your repayment options, forgiveness programs, and relief plans, so you can make informed decisions that fit your goals and budget.

Build a Personal Plan to Manage Student Loan Debt

Your counselor helps you create a repayment plan that fits your income and life. With the right tools, you can lower stress, avoid delinquency, and stay on track financially.

Graduate With Confidence and Less Financial Burden

With the right plan in place, you'll avoid falling behind on payments and reduce total debt, setting yourself up for success and financial freedom after graduation.

Build Your Path
to a Debt Free Life

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Plan For Higher Education,
Manage Student Debt Wisely

To serve as an introduction to our guide, our video from FederalStudentAid explains what responsible borrowing is.
In this section we will review the following:
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‍* Saving for Higher Education
* Making the Grades
* Narrowing Your Choices
* Applying for Admission
* Choosing the Right School
* Explore Financial Aid Options
* Applying for FAFSA

Prepare For Graduation,
Take Charge of Student Debt

Readying yourself for graduation can help you get a jump start on success. Credit.org has created the following guide to help you prepare for graduation. If it is time to prepare for graduation, the below video from FederalStudentAid can help you understand what repayment preparation looks like.

In this section we will review the following:
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* Create a Budget
* Understand Your Credit Report
* Manage Your Student Loans
* Explore Career Options
* Discover Your Talents and Interest
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Post Graduation,
Build a Debt-Free Future

The future is yours. Credit.org has created the following guide to help you achieve your aspirations. If you are done with your college career, the below video from FederalStudentAid can help you understand how to manage your loan repayment.
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In this section we will review the following:
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* Build a Resume
* Craft a Career Roadmap
* How to Find the Right Job
* Successful Interviewing Skills
* Understanding Your Student Loan Debt
* Choosing the Right Solutions for Repayment

Step-by-Step
Student Loan Process

Step 1:

Schedule Your Free
Student Counseling Session

Discuss your goals, like reducing student loan payments, exploring income-driven plans, consolidating loans, or enrolling in forgiveness programs. This session focuses on finding tailored solutions to help you tackle your student debt effectively.
Step 2:

Assess Your Debts
and Relief Options

Review your credit report and complete a budget analysis to identify where you can save money. Explore student loan debt relief options, improve your financial health, and uncover actionable steps to manage your loans confidently.
Step 3:

Craft a Custom
Debt Relief Plan

Work through available repayment programs, including federal options, to find what fits your needs. By understanding the pros and cons of each plan, you’ll have a clear strategy to handle your student loans and secure financial stability.
Step 4:

Get Tools for
Long-Term Success

Together, we'll develop a personalized action plan that outlines the steps you need to take to manage your student loans effectively. From applying for income-driven repayment plans to setting up loan rehabilitation programs, you’ll gain the tools needed to manage your student debt and build a secure future.

See How We’ve Helped
Students Master Their Loans

Our student loan counseling has empowered thousands of students to regain control of their  loans and achieve financial peace.
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Go From Student Loan Debt to Financial Freedom

Managing student loans and improving your financial health is easier with the right tools. From repayment calculators to step-by-step guides, our resources help you explore student loan debt relief, understand repayment options, and build long-term financial stability.
Explore Our Resources

Student Loan FAQ's

What’s the Difference Between Subsidized and Unsubsidized Loans?

*Hover over for answer
Subsidized loans don’t accrue interest while you’re in school. Unsubsidized loans do. Knowing this helps you plan and manage future loan payments more effectively.

How Do Student Loans Work for College or University Costs?

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Student loans help cover tuition, books, and living costs. Repayment begins after graduation, with interest. Understanding loan terms is key to staying on track.

How to Apply for Student Loans and Secure Financial Aid?

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Start by completing the FAFSA. Accept your aid package, then review federal and private loan options. Finish with counseling and your Master Promissory Note.

Do Student Loans Show on Credit Reports and Impact Scores?

*Hover over for answer
Yes, student loans appear on your credit report. Timely payments build credit; late payments hurt it. Manage your loans well to protect and grow your score.

Dive Into Our Student Loan
Blogs for Deeper Insights

Top 10 Student Loan Mistakes to Avoid

Understanding Student Loan Debt Trends

Financial Tips for College Students

Read more student loan blogs
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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