Federal student loans are reported late after being missed for 90 days.  However, loans in forbearance or deferment are not reported as late during that pause period.  The reasons for forbearance or deferment are those that you listed.  Borrowers who had missed payments for greater than 90 days after January 1, 2025, began being re…Read more

Success Story Template
1. Client Situation (No Names)Briefly describe the challenge and any barriers.
2.…Read more

What Happens When You’re in Default?

• Credit score damage 📉
• Wage garnishment
• Seizure of tax refunds
• Loss of federal aid eligibility

Read more

]]> b09d01650fd440de73a5992d3e8371ae https://sfccpnetwork.org/community/p/662/ Wed, 05 Mar 2025 21:24:16 +0000 0 2fc876e0bc997de8ea6e68826877d9da https://sfccpnetwork.org/community/p/561/ Thu, 14 Mar 2024 19:52:42 +0000 0 47e18db409b96c99ffdad167e862d315 https://sfccpnetwork.org/forums/topic/feeling-lucky/ Thu, 14 Mar 2024 19:16:58 +0000 Join the discussion about a significant current event shaping the Financial Counseling/Coaching profession and stand a chance to win a prize! Share your insights and perspectives on the latest developments. Your participation could earn you a reward!
]]> f571e0fbe2732691a6773d80ad198a8b https://sfccpnetwork.org/forums/topic/croatan-institute-seeking-bilingual-senior-associate-financial-health-coach/ Fri, 12 Jan 2024 20:32:08 +0000 Location: Remote or Hybrid, North Carolina
Hours: 40 hours/week

Level: Mid-level

Description: Croatan Institute seeks an Experienced Certified Financial Health Coach who will play a critical role in providing expert financial guidance to underserved communities. The primary objective will be to empower BIPOC and underserved farmers to make…Read more

]]> ed25bb393f4f7395f9423e63d4b92408 https://sfccpnetwork.org/forums/topic/white-house-initiative-on-advancing-educational-equity-etal/ Mon, 11 Dec 2023 15:40:52 +0000 The White House Initiative on Advancing Educational Equity, Excellence and Economic Opportunity for Hispanics invites you to virtually attend the upcoming meeting of the President’s Advisory Commission on Advancing Educational Equity, Excellence, and Economic Opportunity for Hispanics (Commission) on Tuesday, December 19th from 12-5 p.m. EST.  
]]> 3120b75448812ffcadb28221bb7d26b3 https://sfccpnetwork.org/forums/topic/nearly-74-million-to-expand-full-service-community-schools/ Wed, 29 Nov 2023 16:03:03 +0000 On November 28, 2023, the Biden-Harris Administration announced that they have allocated nearly $74 million to expand. five-year Full-Service Community Schools (FSCS). They will be providing grants to support an additional 30 local educational agencies, nonprofits, and other public or private organizations and institutions of higher education…Read more
]]> e820742490b362a0cabecaad25830f18 https://sfccpnetwork.org/forums/topic/strategy-implemented-by-doe/ Mon, 13 Nov 2023 14:25:23 +0000 The Biden-Harris administration announced their framework for oversight and accountability of student loan servicers for the protection of borrowers. The announcement explains the strategy implemented by the DOE to monitor servicers, track complaints, examine outcomes, protect borrowers and the actions that can now be taken against a servicer for…Read more
]]> 75bc7179a6194f2acd12d32824006e46 https://sfccpnetwork.org/forums/topic/biden-harris-administration-forgave-an-additional-9-billion-dollars-in-student/ Fri, 06 Oct 2023 18:34:40 +0000 On October 4, 2023, the US Department of Education announced that the Biden-Harris Administration forgave an additional $9 Billion dollars in student loan debt.
• $5.2 billion in additional debt relief for 53,000 borrowers under Public Service Loan Forgiveness programs.
• Nearly $2.8 billion in new debt relief for nearly 51,000 borrowers through…

Read more

]]> cb2540368b60772b908435e07f28a77c https://sfccpnetwork.org/community/p/505/ Tue, 15 Aug 2023 01:51:49 +0000 @tmartin Hello! Where can I schedule a brief 15 minute call with you?
]]> 0 7f5ea46c049207880efab03690383854 https://sfccpnetwork.org/forums/topic/purchasing-a-home-may-become-easier/ Mon, 14 Aug 2023 22:13:16 +0000 Click this link to view the most recent newsletter from NACCC about career opportunities, small business solutions and much more!

https://conta.cc/3KF2l0l

]]> fc73e78744e821177e391be5c416815b https://sfccpnetwork.org/forums/topic/meet-dr-teresa/#post-14596 Fri, 11 Aug 2023 22:04:47 +0000 Awesome presentation Dr Martin. Thank you for so passionately sharing such great information. I would like to schedule a call with you to help get more direction in what I am trying to achieve in this space. My email address is: tim@creditrepairofflorida.com
]]> 066c77a26f965f24fc0a2a436484a09c https://sfccpnetwork.org/forums/topic/credit-building-cards/ Tue, 20 Jun 2023 13:53:43 +0000 Chase has launched a brand-new card for those looking to apply for their first credit card and start building credit: the Chase Freedom Rise. Whether you’re a student or are establishing credit later on in life, this credit builder card is for those with limited or no credit history. As of the card’s launch, the Chase Freedom Rise℠ can only be o…Read more
]]> be7815a3a219109a1861528428c0b263 https://sfccpnetwork.org/forums/topic/student-loan-repayment-toolkit/ Tue, 20 Jun 2023 13:44:24 +0000 Along with a report of institutional considerations, the Resumption of Loan Repayment Task Force has created this Student Loan Repayment Toolkit. Easy-to-use resources were designed to help institutions and financial aid administrators communicate with borrowers as they begin transitioning back into repayment on federal student loans. The toolkit…Read more
]]> 4598b58a6df6b49deb85f9188d5f9c40 https://sfccpnetwork.org/forums/topic/new-job-postings/#post-14236 Mon, 19 Jun 2023 14:17:55 +0000 Financial Education Coordinator
]]> 12e7242e355fe81929a52fe14b6b0028 https://sfccpnetwork.org/forums/topic/hud-counseling-community-resources/#post-14235 Mon, 19 Jun 2023 14:12:49 +0000 Federal Housing Administration Launches New Resources to Remove Language Barriers for Borrowers

The Federal Housing Administration (FHA) is making available in Chinese, Korean, Spanish, Tagalog, and Vietnamese more than 30 single family mortgage documents and related resources used in the origination of FHA-insured mortgages. The educational…Read more

]]> 06a53bd8b12f779122c051df1c724d6d https://sfccpnetwork.org/forums/topic/hud-counseling-community-resources/ Mon, 19 Jun 2023 14:11:11 +0000 Helping your clients spot, avoid, and recover from frauds and scams can play a key role in assisting them to achieve their financial and housing goals. HUD-certified housing counselors and others will learn about high-tech frauds and scams, from text-based to those involving digital payment applications and cryptocurrency.

Spot The Signs: Avoid…Read more

]]> 9bdd22380756b402b2087ce074bab50d https://sfccpnetwork.org/forums/topic/new-member-introduction-mlo/ Tue, 13 Jun 2023 20:06:10 +0000 Hello all,
I am new member, a certified credit counselor in Seattle, Washington. I am excited to be a part of this organization and excited to connect with other members and resources. I am also licensed mortgage loan officer and look forward to helping folks clean credit so they can get prepaproved to buy a home. I’ll be holding my first credit…Read more
]]> 896a39de00e3e51fd7017a0a6608b7f5 https://sfccpnetwork.org/forums/topic/new-job-postings/ Mon, 12 Jun 2023 13:55:18 +0000 There are two new financial education jobs available at HEFWA Community member institutions:

Indiana University Financial Wellness Specialist

Virginia Tech Assistant Director of Financial Literacy

]]> c9b82cdacd8da9a9321b4109c7717f6e https://sfccpnetwork.org/forums/topic/hud-housing-counseling-disaster-resources/ Tue, 23 May 2023 13:42:51 +0000 HUD in coordination with the Federal Emergency Management Agency (FEMA), may invite Housing Counseling Agency (HCA) staff to contribute their skills and expertise by helping clients with housing issues during future Presidentially Declared disasters. This new field guide will help HCAs prepare their staff for disaster deployments. On May 11,…Read more
]]> 80a72c141921eface4cc8a3b780b20eb https://sfccpnetwork.org/forums/topic/positions-available/#post-13590 Fri, 17 Feb 2023 19:05:29 +0000 The Babson Financial Literacy Project is growing. They have run over 230 workshops in four years and are approaching 10,000 seats. They need several enthusiastic trainers to help lead virtual workshops. This role is part-time and flexible. Experience with training and/or financial services is required. Please send qualified applications with the…Read more
]]> c04258284751a9a24add17993ba27e2b https://sfccpnetwork.org/community/p/430/ Wed, 08 Feb 2023 16:59:54 +0000 0 5c66a34fbafef4135bded12f16f855ec https://sfccpnetwork.org/forums/topic/sfccp-conference-2023/ Thu, 26 Jan 2023 20:13:08 +0000 Registration will open on January 31st for our September Conference in San Francisco!

Since you are a Society For Financial and Career Consulting Professionals member, use this code: SFCCPCON23 for 30% off event registration!!

]]> 2cc4ef410d857086fcd6ba21aaf3993f https://sfccpnetwork.org/forums/topic/positions-available/#post-9290 Fri, 09 Dec 2022 16:30:38 +0000 Working Credit is hiring! If you have experience as a financial/credit building counselor, please see our job opportunities here:

https://www.linkedin.com/posts/sarah-chenven-a708058_non-profit-jobs-in-financial-counseling-activity-7001197100474540032-97pS?utm_source=share&utm_medium=member_ios

]]> 1639ec2be3e53fb34c7f69f7ad09b99e https://sfccpnetwork.org/forums/topic/positions-available/#post-9229 Tue, 01 Nov 2022 15:23:10 +0000 Check out this new job available:

https://www.simplyhired.com/job/k5BXMSimPfEMfYu-PbZgODA1RK-J1DGl7ezHZsEHmHLa2jx9j3wmiw

]]> fdf0d43ce699de027f317e15ae6b87d9 https://sfccpnetwork.org/forums/topic/peer-advisor-training-resources/ Fri, 14 Oct 2022 20:42:33 +0000 The CFPB has some resources in our Your Money, Your Goals toolkit that could help:

Tracking income
Paying bills (includes a spending tracker)
Getting through the month (includes building a cashflow budget)

Kate Mullan (she/her)

Detail: Senior Product Management Specialist | PDSI

Permanent: Policy Analyst | Students and Young…Read more

]]> 120b92be1ce6c3987158f2d87724d64b https://sfccpnetwork.org/forums/topic/stay-on-track-toward-long-term-money-goals-with-the-help-of-your-future-self/ Fri, 14 Oct 2022 20:38:02 +0000 Good afternoon,

Now is a time when many are working to recover and rebuild from financial hardships experienced over the last few years. Research shows that people who feel a strong connection to their “future selves” are more likely to make financial decisions that benefit them in the long run.

Our Future Self Tool is designed to help fin…Read more

]]> 43c4bf5d4edef72a5a73f164aa542946 https://sfccpnetwork.org/forums/topic/how-agencies-can-help-communities/ Fri, 14 Oct 2022 18:57:17 +0000 How Agencies Can Help Communities
How Agencies can help communities survive before and after a major disaster. Looking at the aftermath of Hurricane Ian, this is a good time to remind Agencies of the important role they can play in their community’s disaster preparedness and recovery. By meeting with local emergency responders, Agencies can not o…Read more
]]> 350521b8fbceffccfdcd41a770ab579a https://sfccpnetwork.org/forums/topic/hurricane-ian-resources-for-florida/ Fri, 14 Oct 2022 18:55:55 +0000 Connecting Florida: Hurricane Ian Resources

Hurricane Ian has left a lasting impact on Florida. We would like to share a few resources available for disaster relief. Please check out the button below or visit https://fppcoalition.org/2022/10/06/connecting-florida-hurricane-ian-resources/ if you or someone you know has been impacted by…Read more

]]> 5e8e92370e409ee51a9270b6a2a506dc https://sfccpnetwork.org/forums/topic/what-is-happening-in-the-mortgage-industry-today/#post-9174 Fri, 14 Oct 2022 15:57:38 +0000 Last month the Consumer Financial Protection Bureau released a Request for Information on mortgage refinances, loss mitigation, and forbearance. The Bureau is specifically seeking comments from the public about ways to:

(1) facilitate mortgage refinances for consumers who would benefit from refinancing, especially consumers with smaller loan…Read more

]]> f4a1709dffc2280603ff0fa920ae0a98 https://sfccpnetwork.org/forums/topic/positions-available-2/#post-9162 Thu, 06 Oct 2022 15:13:36 +0000 https://utaustin.wd1.myworkdayjobs.com/UTstaff/job/UT-MAIN-CAMPUS/Student-Financial-Aid-Officer-III_R_00018975
]]> 7a64cc79d0c2775cd1edb4bd1fa7b7f9 https://sfccpnetwork.org/forums/topic/positions-available-2/#post-9161 Thu, 06 Oct 2022 15:13:06 +0000 https://www.finequity.org/jobs/enrollment-coordinator
]]> a9f8567b4264d4a6e684ae0c0b75c4c5 https://sfccpnetwork.org/forums/topic/positions-available-2/#post-9160 Wed, 05 Oct 2022 19:13:53 +0000 https://balancepro.isolvedhire.com/jobs/
]]> 12e1023b95c99c2b72448d2dbf1592e9 https://sfccpnetwork.org/community/p/344/ Wed, 24 Aug 2022 18:28:41 +0000 1 4e7c23f7106627d6a601bc627a5214e4 https://sfccpnetwork.org/community/p/341/ Wed, 24 Aug 2022 16:57:19 +0000 0 6c1bb36a07952dcd3fdb7c5667b7b3d1 https://sfccpnetwork.org/community/p/340/ Wed, 24 Aug 2022 16:57:03 +0000 0 f74f3ba6f8cd35e06b511e0136e2f570 https://sfccpnetwork.org/forums/topic/career-opportunities-from-naccc-newsletter/#post-9093 Fri, 19 Aug 2022 20:14:23 +0000 The Texas Financial Wellness (TFW) Counselor will counsel students on personal financial issues, including budget planning, credit management and debt reduction. Provide financial literacy and loan information to students so they can make informed decisions.
There are two positions available!

Position 1:…Read more

]]> aed03ce11154fabbca17cdc11d7f91d8 https://sfccpnetwork.org/forums/topic/career-opportunities-from-naccc-newsletter/#post-9092 Fri, 19 Aug 2022 20:12:42 +0000 National Disability Institute (NDI) has an opening for a motivated self-starter with experience in the disability and financial capability fields to manage and contribute to the implementation of initiatives that strengthen the financial empowerment of individuals with a disability.
The deadline to apply for this position is August 31, 2022, with…Read more
]]> 3fc37bc7630e7f72ec14820559e9052d https://sfccpnetwork.org/community/p/330/ Tue, 19 Jul 2022 05:04:08 +0000 Archlite Academic Writer is the best assignment help service provider in UK. To help you receive a well-written and highly researched assignment, we have professional writers on board who hold excellent subject knowledge and impressive academic writing skills.
For more Visit us at –https://archliteassignments.co.uk/
]]> 1 148ab42542004882089ad785bc87fa73 https://sfccpnetwork.org/community/p/329/ Tue, 19 Jul 2022 05:03:38 +0000 0 735e01c1a810a3b7ba49a41503b62e3b https://sfccpnetwork.org/forums/topic/introductions/#post-8927 Thu, 23 Jun 2022 18:51:01 +0000 Maxine:

Congratulations on your Debt and Credit Counseling business! There are many questions that you should ask as you vet potential companies, attorneys and individuals.

For bankruptcy attorneys, you can start with:

1. How Long Have You Offered Bankruptcy Services?

2. How much are your fees and how will you be paid? Will there be any…Read more

]]> 7b01b261e05239152407f36addc84efc https://sfccpnetwork.org/forums/topic/introductions/#post-8907 Sun, 19 Jun 2022 13:41:46 +0000 Hi Theresa, as a new business focused on debt and credit counseling, I’d like to build a network of resources for my clients. I am looking at a listing of bankruptcy attorneys/firms in my area. Can you suggest 2-3 questions for these firms that are important as I vet these companies/attorneys? Thanks so much!

Maxine Gordon-Williams
Owner,…Read more

]]> 3ea13fe02355755fa674e171bbf9c16e https://sfccpnetwork.org/forums/topic/introductions/#post-8831 Wed, 25 May 2022 01:53:20 +0000 Let me introduce myself, I am Coach William Moore! As a Certified Credit Counselor and Business Coach, I help entrepreneurs to help their clients with their credit by helping them create the systems and the strategies to grow profitable credit businesses from nothing.

Book An Intro Call Here

]]> 65a014f732f2d35217595606e5ba632e https://sfccpnetwork.org/forums/topic/meet-william-moore/ Wed, 25 May 2022 01:43:08 +0000 Hi, I am Coach William Moore! I specialize in addressing negative money behaviors, implementing sound financial strategies and brings over 20 years of experience as a certified credit counselor, strategist, and coach to my clients.

My utmost integrity and strong code of ethics stem from his 17 years of service in the U.S. Army National Guard…Read more

]]> ceec98d4f86397f6dc3c846a30bcab7d https://sfccpnetwork.org/community/p/311/ Tue, 24 May 2022 22:27:48 +0000 0 2011b033507f473cef4ca23540fb60f2 https://sfccpnetwork.org/forums/topic/positions-available-2/#post-8829 Tue, 24 May 2022 20:48:10 +0000 linkedin.com/jobs/search/?currentJobId=3083004515&keywords=path%20forward%20coordinator%20consumer%20credit

Path Forward Program Coordinator – Consumer Credit Counseling Service of Rochester
Consumer Credit Counseling Service of Rochester, Inc Rochester, NY On-site 3 weeks ago
Full-time · Entry level
11-50 employees · Financial Services
3 c…Read more

]]> 3b72f835efa5e0063239227d9562fe36 https://sfccpnetwork.org/forums/topic/meet-dr-teresa/ Tue, 24 May 2022 19:03:50 +0000 I am Dr. Teresa R. Martin, Esq. and it’s nice to meet you! I help my clients create financial legacies. My diverse background as an attorney, real estate investment strategist, personal and business credit development consultant gives me a unique perspective that helps my clients look beyond their limitations and take the steps necessary to…Read more
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