Manage Your Debt - Let's Explore Your Options
GET STARTED NOWUse these resources to view a copy of your credit report and/or request your credit score. You should review your credit report annually to check for any errors that could impact your credit. You can also use these resources to identify your private student loan information.
Consumer Financial Protection Bureau (CFPB)
The CFPB is responsible for monitoring consumer financial products and services, including credit cards, mortgages, and student loans. Read reports about relevant issues, participate by sharing your own experiences, or even submit a complaint if you need the CFPB’s help to resolve a dispute.
Defaulted Student Loans
Review your options for managing your defaulted student loans, including information about consolidation, rehabilitation, and how to stop tax refund offsets or wage garnishment. This is a website of the U.S. Department of Education.
Direct Consolidation Loans Application and Calculator
This U.S. Department of Education web site provides loan consolidation information to borrowers. Borrowers can use this site to calculate their payments and repayment options when consolidating student loans. Note: this is not where you apply to consolidate a loan.
The official site to apply for a student loan consolidation. This applies to the following loans:
FAFSA
Complete the Free Application for Federal Student Aid online to check your eligibility for federal financial aid.
Federal Ombudsman – www.studentaid.ed.gov/repay-loans/disputes/prepare
If you have tried unsuccessfully to resolve a dispute concerning your student loans and are not satisfied with the resolution, turn to the Federal Ombudsman Group to help.
FSA ID
All past and present student loan borrowers need to establish an FSA ID to access their account information on federal student aid websites. To create an FSA ID, visit Studentaid.gov. You can also retrieve your FSA ID and reset your password via this link.
National Consumer Law Center Student Loan Borrower Project
Find answers to your student loan questions as well as helpful legal resources at this website run by the National Consumer Law Center. The website is Student Loan Borrower Assistance.
Repayment Estimator
The Federal Repayment Estimator can help you calculate monthly payments on various repayment plans to help you find a manageable repayment option. Top site
Total & Permanent Disability Discharge
If you can’t repay your student loan debt due to a disability, this section of the U.S. Department of Education website tells you if you could qualify for loan discharge. You’ll also find answers to frequently asked questions, and be able start the application process.
Top site - these sites contain information that is critical to managing your student loans.
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
Your credit score is a key factor in your financial health, influencing your ability to get loans, rent an apartment, or even secure a job. The good news? Understanding what affects your score can help you take the right steps to improve it—sometimes faster than you’d expect!
Money impacts every aspect of our lives—from paying rent to pursuing career goals. Yet, financial education is often overlooked in spaces where it’s needed most: workplaces, workforce development programs, and community organizations (including college campuses). At American Financial Solutions, we provide FREE financial education classes tailored to meet the needs of specific audiences. Whether that is employees, college students, or community groups, our approach recognizes that everyone comes to financial education with different backgrounds.
Managing money can feel overwhelming, but it doesn’t have to be. One of the most effective and easy-to-follow budgeting methods is the 50/30/20 rule.
In today’s economic climate, the struggle to balance rising living costs with stagnant wages has led to a concerning trend: the increasing dependence on credit cards and personal loans. Recent data reveals that credit card debt has grown at its fastest rate since 2005.
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