NFCC Certified
National Foundation for Credit Counseling–accredited professionals specializing in student debt relief.
A+ BBB Rating
Better Business Bureau highest rating for trustworthy student loan help and customer service.
100% Confidential
Your personal and financial details are fully secure throughout your student debt consultation.
The Student Debt Crisis by the Numbers
$1.7 Trillion
Total student loan debt in the U.S.
45 Million
Borrowers struggling with college loans.
$37,000
Average student debt per graduate.
92%
Client success rate with our student loan relief programs.
Are You Struggling With Student Loan Payments?
💰 High Monthly Payments
Your student loan payments are taking too much of your income, leaving little room for living expenses.
📈 Rising Interest Rates
Higher interest rates make your college debt grow faster than you can pay it down.
🔄 Multiple Loan Services
Managing different student loans across servicers is confusing and stressful.
😰 Default Risk
Falling behind on payments risks credit damage and financial instability.
🚫 Limited Options
You may not know about loan forgiveness or income-driven repayment programs available.
⏰ Time Running Out
Federal student loan relief deadlines are approaching—don’t miss your opportunity to save.
How We Help Students Like You
Loan Analysis
We review all your federal and private student loans to find the best debt relief and forgiveness options.
Forgiveness Programs
We help you qualify for student loan forgiveness programs, including Public Service and Teacher Forgiveness.
Income-Driven Repayment Plans
Lower your payments by up to 90% with income-based repayment plans that fit your budget.
Loan Consolidation
Combine multiple student loans into one easy payment with a lower interest rate and longer term.
Deferment & Forbearance
Access temporary student loan relief during financial hardship, unemployment, or emergencies.
Ongoing Support
Work with a dedicated student loan counselor who helps you through every step of the process.
Success Stories from Students Like You
“I was drowning in $85,000 of student loans. APFSC helped me enroll in an income-driven repayment plan that cut my payments from $950 to $180. I finally have breathing room and peace of mind.”
Sarah M.
Teacher, Boston MA
“After graduation, I couldn’t find work in my field and faced default. The counselors guided me into Public Service Loan Forgiveness. Now, my student debt will be fully forgiven in eight years.”
Marcus T.
Social Worker, Denver CO
“I had college loans with four servicers and couldn’t manage them all. APFSC helped me consolidate my student loans into one affordable payment, saving over $300 a month.”
Jennifer L.
Nurse, Phoenix AZ
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30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
+1-800-682-4007 Customer Service
+1-800-738-4585 Enroll Debt.
+1-800-990-3735 (FAX)
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.