Partner Directory
Student Loan Partners
Organizations that help reduce payments, explore forgiveness, or refinance student loans
3 vetted partners ready to help
Organized by the type of support they provide
Federal student loans
2 partners offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Northwestern Mutual
We create financial roadmaps to produce financial clarity of what the next steps are to get to one's goal.
How They Help
Northwestern Mutual — Financial Planning & Wellness
Northwestern Mutual provides personalized financial planning and wellness services, helping clients build a comprehensive financial roadmap. Services include budgeting, savings strategies, debt payoff planning, and retirement preparation. Clients work directly with a dedicated financial advisor to set goals, track progress, and implement a customized plan.
Outcomes: Clients receive a full financial plan addressing debt paydown, savings growth, and retirement readiness. 70% success rate with ongoing annual check-ins.
Cost: $0–$1,000 (sliding scale based on services)
Savings & Financial Wellness
2 partners offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Northwestern Mutual
We create financial roadmaps to produce financial clarity of what the next steps are to get to one's goal.
How They Help
Northwestern Mutual — Financial Planning & Wellness
Northwestern Mutual provides personalized financial planning and wellness services, helping clients build a comprehensive financial roadmap. Services include budgeting, savings strategies, debt payoff planning, and retirement preparation. Clients work directly with a dedicated financial advisor to set goals, track progress, and implement a customized plan.
Outcomes: Clients receive a full financial plan addressing debt paydown, savings growth, and retirement readiness. 70% success rate with ongoing annual check-ins.
Cost: $0–$1,000 (sliding scale based on services)
Credit card debt
2 partners offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Northwestern Mutual
We create financial roadmaps to produce financial clarity of what the next steps are to get to one's goal.
How They Help
Northwestern Mutual — Financial Planning & Wellness
Northwestern Mutual provides personalized financial planning and wellness services, helping clients build a comprehensive financial roadmap. Services include budgeting, savings strategies, debt payoff planning, and retirement preparation. Clients work directly with a dedicated financial advisor to set goals, track progress, and implement a customized plan.
Outcomes: Clients receive a full financial plan addressing debt paydown, savings growth, and retirement readiness. 70% success rate with ongoing annual check-ins.
Cost: $0–$1,000 (sliding scale based on services)
Student loan counseling
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Financial counseling
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Financial Counseling
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Budgeting
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Financial Literacy
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Credit Improvement
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Student Loan Education
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Debt Management Program
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Personal / unsecured loans
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Medical debt
1 partner offering this support
Cambridge Credit Counseling
Cambridge Credit Counseling is a nonprofit credit counseling agency with 30 years in business, A+ BBB rated, and leadership in both the NFCC and FCAA trade associations. Cambridge provides comprehensive financial counseling, Debt Management Plans (DMPs), student loan counseling, mortgage counseling (1st-time homebuyer and reverse mortgage), and personal loan debt management. Their certified counselors perform individualized budget analyses and, where appropriate, enroll clients in a structured DMP to help them pay down debt in a reasonable timeframe — typically 41 months on average.
How They Help
Cambridge Credit Counseling — Student Loan Counseling
Cambridge Credit Counseling provides certified student loan counseling through a dedicated department separate from its credit card/DMP services. Counselors help borrowers understand federal repayment options, income-driven repayment (IDR) plans, Public Service Loan Forgiveness (PSLF), consolidation, and default resolution. Clients leave with a clear action plan tailored to their loan situation.
Outcomes: Borrower gains clarity on federal repayment options, enrolls in the most appropriate IDR plan or PSLF pathway, resolves default or delinquency, and develops a long-term student loan strategy.
Cost: Free initial counseling session. State-based fees may apply for ongoing support.
Cambridge Credit Counseling — Financial Counseling
Cambridge Credit Counseling's Financial Counseling program provides one-on-one budget coaching, financial education, savings planning, and credit improvement guidance. Certified counselors help participants understand their full financial picture, build emergency funds, improve credit health, and develop actionable plans — without necessarily enrolling in a debt repayment program. Ideal for users seeking education, early intervention, or behavioral coaching before committing to a structured plan.
Outcomes: Improved financial literacy, actionable budget plan, credit score improvement roadmap, savings strategy, and clarity on best next steps for debt resolution.
Cost: State-based fee guidelines; sliding scale available. Free initial counseling session. See: https://www.cambridge-credit.org/disclosures.html
Financial education
1 partner offering this support
Northwestern Mutual
We create financial roadmaps to produce financial clarity of what the next steps are to get to one's goal.
How They Help
Northwestern Mutual — Financial Planning & Wellness
Northwestern Mutual provides personalized financial planning and wellness services, helping clients build a comprehensive financial roadmap. Services include budgeting, savings strategies, debt payoff planning, and retirement preparation. Clients work directly with a dedicated financial advisor to set goals, track progress, and implement a customized plan.
Outcomes: Clients receive a full financial plan addressing debt paydown, savings growth, and retirement readiness. 70% success rate with ongoing annual check-ins.
Cost: $0–$1,000 (sliding scale based on services)
Savings
1 partner offering this support
Northwestern Mutual
We create financial roadmaps to produce financial clarity of what the next steps are to get to one's goal.
How They Help
Northwestern Mutual — Financial Planning & Wellness
Northwestern Mutual provides personalized financial planning and wellness services, helping clients build a comprehensive financial roadmap. Services include budgeting, savings strategies, debt payoff planning, and retirement preparation. Clients work directly with a dedicated financial advisor to set goals, track progress, and implement a customized plan.
Outcomes: Clients receive a full financial plan addressing debt paydown, savings growth, and retirement readiness. 70% success rate with ongoing annual check-ins.
Cost: $0–$1,000 (sliding scale based on services)
Private student loans
1 partner offering this support
Yrefy, LLC
Founded in 2017, Yrefy specializes in refinancing distressed and defaulted Private Student Loans. It’s our mission to provide private student loan borrowers a second chance.
How They Help
Yrefy Private Student Loan Refinancing
Yrefy specializes in refinancing distressed and defaulted private student loans. Founded in 2017, Yrefy provides borrowers a second chance at repayment with reduced, affordable monthly payments. Unlike traditional lenders, Yrefy works with borrowers who have damaged credit or are in default, providing a structured refinancing solution that helps restore financial stability.
Outcomes: Borrower successfully refinances defaulted or delinquent private student loans into a manageable repayment plan with reduced monthly payments and interest rate, helping restore financial stability and reduce stress.
Cost: Fee varies by debt amount. Contact Yrefy for details.
States Served
Student Loans
1 partner offering this support
Yrefy, LLC
Founded in 2017, Yrefy specializes in refinancing distressed and defaulted Private Student Loans. It’s our mission to provide private student loan borrowers a second chance.
How They Help
Yrefy Private Student Loan Refinancing
Yrefy specializes in refinancing distressed and defaulted private student loans. Founded in 2017, Yrefy provides borrowers a second chance at repayment with reduced, affordable monthly payments. Unlike traditional lenders, Yrefy works with borrowers who have damaged credit or are in default, providing a structured refinancing solution that helps restore financial stability.
Outcomes: Borrower successfully refinances defaulted or delinquent private student loans into a manageable repayment plan with reduced monthly payments and interest rate, helping restore financial stability and reduce stress.
Cost: Fee varies by debt amount. Contact Yrefy for details.
States Served
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