Former student preparing his loan payment Former student preparing his loan payment

Managing Your Student Loans

We combine data and expertise to help you make the best choices for your loans.

Running out of time or options?

Of all the debts in the world, student loan debt is one of the most justifiable. It's an investment, after all - part of the cost of chasing your dreams and working towards a career.

The trouble is that dreams aren't guaranteed, and even if you land the job you want, those debts will still be there with you, possibly for decades. With inflation growing faster than wages, it's become harder and harder to balance student loans against the rest of your financial responsibilities.

That's when the juggling begins. Deferment. Forbearance. When you don't have the means to face your student debts directly, you push them to the side. Eventually, you seem to run out of options. Bills come due that you can't pay. Then the calls come. Suddenly you're in default and you start to wonder if there will ever be a way out. 

As hopeless as it may feel, you have options. There are steps you can take and programs you may be eligible for. And while sorting through all that information may seem daunting, don't worry - that's what we're here for. 

The best decision for your unique situation

Student loan counseling from MMI is essentially three services in one:

  • Budget review and counseling
  • One-on-one student loan review and counseling
  • Data analysis and recommendation

We combine our extensive budgeting experience with deep student loan expertise and a leading third party decision engine to provide you with an in-depth analysis of your unique situation and personalized recommendations for next steps. You will leave your counseling session with a better understanding of your current situation, a thorough examination of your options and their potential outcomes, and guidance on what you should do next. 

If you're feeling overwhelmed by student loans, or need help understanding what happens next, schedule a student loan counseling session today.

We're here to listen, to teach, and to fight for you. Don't spend another day wondering how you'll manage your student loan. We can show you. 

 LEARN MORE About STUDENT LOAN COUNSELING

STUDENT LOAN COUNSELING
What happens during a session
Young couple considering how to pay down their student loans

A student loan counseling session from MMI begins by creating an overall picture of your present finances. We discuss your income, expenses, and debt, then review your credit report.

After this, we review your student loans and their status. We discuss all of your available options, providing details on various student loan repayment programs you may qualify for. Then we discuss your personal goals and how these different options may impact your future plans.

Finally, we use an advanced decision engine to help provide recommendations tailored to your situation and goals. Once you've decided which path you'd like to pursue, we can provide additional guidance (if applicable).

Frequently Asked Questions
Is there a fee for student loan counseling?
Is there a fee for student loan counseling?
Yes. The fee is currently $99. As a nonprofit, we are supported by grants, donations, and - when necessary - consumer fees. We continue to seek outside funding for this service in the hopes that we may someday be able to offer this counseling for free.
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Do you work with private loans?
Do you work with private loans?
The majority of available student loan programs are restricted to Federal student loans. We can provide general advice and guidance for private loan holders, but there's much more we can do for Federal loan holders. 
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Do you offer refinance or consolidation loans?
Do you offer refinance or consolidation loans?
MMI is not a lender. We do not provide loans or refinance existing loans. 
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Can you help if my loans are in default?
Can you help if my loans are in default?
Loan rehabilitation programs are available for borrowers who have fallen into default. If eligible, we can help you enroll in one of these programs and bring your loans back out of default. 
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Will this be reported to the IRS?
Will this be reported to the IRS?
We do not report any information to the IRS. Your counseling session is confidential and your participation will not be disclosed to any third party without your permission.
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They've been where you are today
What sets us apart
We're a nonprofit that prides itself on changing lives through education. No matter where you currently stand with your student loans, you can find clarity and direction through our student loan counseling.
  1. Compassionate
    We're passionate about helping, because we all know what it feels like to need help. Expect to always be treated with kindness and compassion.
  2. Professional
    We love what we do, but we take our work and your trust seriously. We pride ourselves on our expertise and professionalism.
  3. Unbiased
    As a 501(c)(3) nonprofit organization, we take pride in providing unbiased advice and expert instruction. We're working for you - not your lender.
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