Consumer
Credit Counseling Service of Buffalo To Hold Discount on
Student
Loan Counseling Sessions June 24th-29th
Will Lower Prices to Help People With Student Loan Debt; Only
Local Program Available
Student loans are a growing financial concern for many
individuals with the negative ripple effect of slowing economic growth
throughout the country.
Student-loan defaults surged in the first three months of
2013, while efforts to collect bad loans are faltering, according to credit
analysts and government audits. It is the latest twist in a college debt crisis
that is hanging over recent graduates and dragging on the broader economy.
In June of 2012, in
response to the growing need for education and assistance with student loans,
Consumer Credit Counseling Service of Buffalo, Inc. (CCCS Buffalo) kicked off
its Student Loan Counseling Program, a service designed to assist individuals with
student loans. To date, 142 people have received help from this program.
Unfortunately, this is just the tip of the iceberg.
CCCS Buffalo knows that
there are many people suffering with student loan debt, and invites the
community to partake in its’ services. From June 24th through June
29th, the Student Loan Counseling Program will offer counseling
sessions at a greatly reduced cost--a 50% discount. The price for a normal
student loan counseling session is $50 but will be offered at a rate of $25. This
will enable more people to find the help that they need.
Credit-rating firm Equifax said $3.5 billion in government
and private student loans went bad in the first three months of 2013, the most
since the company began keeping track. The U.S. Department of Education said
6.8 million federal student loan borrowers are now in default, representing $85
billion in debt.
In addition to loan borrowers who are in default, there are
currently nearly 7 million consumers who are significantly behind on their
student loan payments.
Due to the complexity of the student loan market and options
available during repayment, many individuals with student loans feel
overwhelmed and have no place to turn for help. CCCS Buffalo designed its
program—the only in our area—to aid debt-saddled borrowers.
Consumers with student loan debt believe they have few, if
any options to tackle their student loan debts.
In our Student Loan Counseling Program, Certified Financial
Counselors:
• Evaluate
student loan debt (current or in default)
• Explore options for
student loans including deferments, forbearances, alternative repayment plans,
and consolidation loans
• Assist in
applying for the appropriate option
• Assist in
communicating with the lender, as needed
• Review
credit score, credit report and living expenses
With average student loan debt upon graduation currently
standing at $25,000, many people will find relief through student loan
counseling programs. It is time for the government to do their part, and fund
student loan counseling.
It is time for help to come at the national level. CCCS
Buffalo is now joining with the National Foundation of Credit Counseling (NFCC)
to call on the Federal government for additional resources to achieve the
outreach necessary to help student loan borrowers. The NFCC and CCCS Buffalo
recommend that the United States Department of Education fund student loan
counseling programs. Outreach and education targeted at student loan borrowers
could drastically change the landscape of student debt, allowing borrowers to
seek the assistance that can change their financial lives and bring their
finances in focus.
Arguing that the federal government allocates funding for
homeownership, foreclosure and bankruptcy counseling, the NFCC and CCCS Buffalo
advocate that the government respond accordingly to the student loan crisis by
funding student loan counseling programs.
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