Student loan debt questions? Get answers now

Whether you want to evaluate your student loan options on your own or prefer getting professional advice and developing a comprehensive plan, we have resources to help you.


  • Create your own self-assessment
  • Get easy access to an individualized report for making your own repayment choices.
  • The eFiscal software uses your data in the National Student Loan Data System (NSLDS), the Department of Education’s central database for student aid. To do your self-assessment, have your FAFSA pin number available. The cost is $39.95. Link:

Self-service assessment works best if you:

  • Are looking for quick answers
  • Have the time and energy to analyze and apply this information to your life
  • Have a straightforward financial life with no other debt

Full-service plan with FISC

A FISC-certified credit counselor can help you evaluate your student loan options, assess your complete financial situation and develop a personal plan to repay your debt.

  • Complete the online self-assessment for $39.95. The eFiscal software uses your data from the National Student Loan Data System (NSLDS), the Department of Education’s central database for student aid. Have your FAFSA pin number available. Link:
  • Call FISC at 800-366-8161 to schedule your first appointment. Up to three appointments for $110.
  • If you are doing the full assessment, please go to Understanding your Debt and tell us more about your situation.

Full-service plan is best for people:

  • Who want to evaluate all of their debt, including student loans, car loans and credit cards and develop an overall plan
  • Whose busy lives make it difficult to find time to sort through their student loan options
  • Who recognize that professional advice which helps them move forward with their lives is a great value

FISC student loan debt counseling can help you …

  • Organize your student loan and other financial information
  • Reduce the total cost of your loans
  • Set realistic short- and long-term goals
  • Develop a spending plan that fits your life
  • Have more peace of mind

FISC financial counselors understand that student loans can feel frustrating and overwhelming. Watch this video of FISC counselor Pete Spaeth.


Experience: We understand the pros and cons of repaying debt quickly or stretching out payments to fit your budget.

Confidential: We help you resolve your financial concerns quietly and confidentially.

Nonprofit: We are accredited, licensed by the state of Wisconsin and have served clients for more than thirty years.