That's exactly what you'll find at American Consumer Credit Counseling (ACCC), a non-profit organization dedicated to educating consumers about paying off debt and living life debt free. At ACCC, we offer free credit counseling sessions where you can learn more about working with debt consolidation agencies, about debt consolidation advantages and disadvantages, and about the many other ways of paying off your debt.Our credit counselors are certified and highly experienced.

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Since 1991 we've helped thousands of individuals and families pay off their debts and make a plan to avoid debt in the future.

Our counselors can answer all your debt consolidation questions, from debt consolidation advantages and disadvantages to debt consolidation qualifications.

It's a highly effective strategy that has worked for many of our clients.

If you need to boost your credit score, it won’t happen overnight.

They can also provide perspective on the advantages and disadvantages of other ways of paying off debt, including debt settlement, debt management and bankruptcy.

We also offer great educational resources on our website, where you can learn more about topics such as budgeting, home ownership, saving for college or retirement, bankruptcy and credit card debt.

This can be an especially important factor when you are applying for a home mortgage or another line of credit.

By making an early payment, you are committing your funds to paying off your debt, rather than merely planning on doing so in the future.

Here are four reasons why you might consider paying your credit card early.

When you carry a balance on your credit card account, you accumulate interest charges each day, based on your daily balance.

By making early payments, you can free up your line of credit and ensure that all of your charges are approved.