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Student Loan Counseling

Take control of your student loan debt

It’s becoming increasingly difficult to repay student loans so it is important for you to make well-informed and smart financial decisions when considering how to repay your student debt.

We recognize that everyone’s situation is different and we will do the work for you. For a nominal fee a LifeSpan financial counselor will work with you to review your individual situation and give you options so that you can make the best financial decision for you and your family. Do you want to postpone payment, reduce payments, consolidate loans or follow the typical 10-year repayment plan? LifeSpan can help.

A LifeSpan Financial Counselor will work with you to:

  • develop a customized budget for managing your money and expenses.
  • see if you qualify for a student loan repayment program to lower your monthly payment.
  • help you understand your student loan repayment options.
  • develop a customized action plan for your future success.

We’ve done the research for you so you can concentrate on your new position rather than spending hours trying to decide what your best repayment options are.

To get the most from your counseling session, it is very important to bring with you to your appointment:

  1. Your Federal Student Aid ID; your username and password.
    Do you have a FAFSA PIN? In May, Federal Student Aid IDs replaced the FAFSA PIN as the main access to your student loan information. You may create a Federal Student Aid ID here and you can link it to your old FAFSA PIN. Please call us if you have trouble with these logins.
  2. A list of which of your loans are Federal and which are private. Not sure? Visit the National Student Loan Database System for Students (you will need to login) and select “Financial Aid Review” for a list of all federal loans made to you.
    • Click each individual loan to see who the servicer is for that loan (this is the company that collects payments from you). This takes care of your federal student loans.
    • Bring a list of your private student loans. If you have no paperwork, we will pull your credit report at your                appointment. Your loans will be listed.

83% of our student loan clients saw their monthly payments reduced

Get Started By Filling Out Our Financial Forms

Student Loan Forms

To download our Student Loan Counseling brochure, click here

If you have questions or want to schedule a counseling session, please call us at 513-868-9220 or 1-888-597-2751. Let us do the work for you.


To order your free credit report:


Phone:      1-877-322-8228

Note: If you request your credit report online, you will be asked a series of questions that only you can answer. Do not be afraid to select “None of the above” if the answer truly is, “None of the above”.   If your request for an online credit report is denied, you will be directed to either call or write a request for your credit report. You may never know why. Again, do not be afraid; just follow the instructions for phoning in or writing a request for your credit report.
How to improve your score:
  • Pay all bills on time
  • If you have missed a payment on an account, catch up with your payment(s)
  • Keep balances low on credit cards – less than 30% of what you are allowed to charge
  • Pay off your debt instead of moving it around
  • Do not close your oldest account
  • Do not get any new credit
  • Shop for mortgage or car loans in a short period of time
payment history

This is a general idea of what is included in your credit score. There are far more variables than this graph indicates but this provides a good idea of the major variables.

Bad credit can hurt in many ways. We all know that bad credit will cause us to pay higher rates for mortgages and car loans. We may even be turned down for credit. But there are other ways poor credit impacts our lives:
  • Job applications: Almost 50% of companies say they run a credit check on job applicants before they hire them, and bad credit can cause you to be turned down for a job. (Note: Employers can pull credit reports but not credit scores.)
  • Utilities: Many people are surprised to learn that utilities check your credit before extending service. Bad credit may cause you to have to put down a hefty deposit before service starts, where no deposit will be required for those with good credit. Cell phone and cable providers frequently check credit before extending service.
  • Elective medical procedures: If you have a medical procedure that is not covered by insurance, bad credit may cause you to have to pay your bill in full before the procedure, rather than being offered a monthly payment plan.
  • Car loans: Not only does a low score force you into a higher rate, but you might even pay more for your car. A study by the Consumer Federation of America found that buyers with the lowest credit paid an average of 3.5% more for their car than did people with better credit.
  • Car insurance: Many insurance companies use credit to determine both initial eligibility and what premium will be. The worse your credit score, the higher the premium.
  • School loans: Bad credit can cause you to be turned down for school loans. There are no options here; you are either approved or denied.

Financial Counseling and Education Program Manager

Mary Hurlburt, CCCC
  Call Now513.868.3210   Email Now

In less than 15 minutes
you can better understand your entire financial situation