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.

Construye tu camino
a una vida libre de deudas

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Plan para la educación superior,
Manage Student Debt Wisely

Como introducción a nuestra guía, nuestro vídeo de Ayuda federal para estudiantes explica qué es un préstamo responsable.
En esta sección revisaremos lo siguiente:
‍
‍* Ahorrar para la educación superior
* Hacer las calificaciones
* Reducir sus opciones
* Solicitud de admisión
* Elegir la escuela adecuada
* Explore las opciones de ayuda financiera
* Solicitud de la FAFSA

Prepárate para la graduación,
Hágase cargo de la deuda estudiantil

Prepararte para la graduación puede ayudarte a tener un buen comienzo hacia el éxito. Credit.org ha creado la siguiente guía para ayudarte a prepararte para la graduación. Si es el momento de prepararse para la graduación, el siguiente video de Ayuda federal para estudiantes puede ayudarle a entender cómo es la preparación del pago.

En esta sección revisaremos lo siguiente:
‍
* Crea un presupuesto
* Comprenda su informe crediticio
* Administre sus préstamos estudiantiles
* Explore las opciones profesionales
* Descubra sus talentos e intereses
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Después de la graduación,
Build a Debt-Free Future

El futuro es tuyo. Credit.org ha creado la siguiente guía para ayudarlo a alcanzar sus aspiraciones. Si ha terminado con su carrera universitaria, el siguiente video de Ayuda federal para estudiantes puede ayudarle a entender cómo gestionar el pago de su préstamo.
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En esta sección revisaremos lo siguiente:
‍
* Crea un currículum
* Elaborar una hoja de ruta profesional
* Cómo encontrar el trabajo adecuado
* Habilidades de entrevista exitosas
* Comprender su deuda de préstamos estudiantiles
* Elegir las soluciones correctas para el reembolso

Paso a paso
Proceso de préstamos estudiantiles

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?

*Hover over for answer
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?

*Hover over for answer
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

Los 10 principales errores que se deben evitar con los préstamos estudiantiles

Comprender las tendencias de la deuda de préstamos estudiantiles

Consejos financieros para estudiantes universitarios

Read more student loan blogs
Credit.org es
‍
Credit.org es una agencia independiente de asesoramiento financiero sin fines de lucro y no está afiliada a ningún proveedor de hipotecas, préstamos o servicios. El contenido, los enlaces y los recursos de este sitio se presentan únicamente con fines informativos y no deben interpretarse como asesoramiento legal o fiscal.

Credit.org no es una empresa de reparación de crédito.
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Credit.org no ofrece servicios de reparación de crédito. Nuestro objetivo es proporcionar recursos educativos, asesoramiento y apoyo para ayudar a las personas a mejorar su salud financiera y alcanzar sus metas de ser propietarios de vivienda. No participamos en actividades que prometan eliminar o alterar la información crediticia negativa de los informes crediticios.
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