Student Loan Debt Options

Manage Your Student Loan Debt


Unfortunately, many student loan borrowers don’t have a financial action plan in place. After graduation when graduates seek to start a career, raise a family, buy a home, launch a business and/or save for retirement, debt can leave them feeling overwhelmed, burdened and out of options.

Feeling like this doesn’t have to be your reality — you DO have options to overcome federal student loan debt and our financial coaches can help.  

With initiatives recognized by the White House and US Department of Education, HCC Financial Coaches:  

  • Help you get on track by developing action plan to budget, monitor spending habits and save money.
  • Host workshops and one-on-one financial coaching sessions to help borrowers understand federal student loan repayment options.
  • Have Student Loan Debt video series (above) that breaks down all your repayment options.
  • Share resources that help you tackle student loan debt.  


Take Charge of your Student Loan Debt

3-Steps to Take Charge of your Student Loan Debt

Step 1. Pick the right repayment option at

Step 2. Consider your repayment options, including enrolling in an income-based repayment plan. You can enroll in an income-based repayment plan at

Step 3. Confirm if your fulltime (30+ hours) nonprofit or public service employment qualifies for Public Service Loan Forgiveness Program. The Employment Certification Form can be found at

What else you can do:

  • Certify income and family size each year. This is required to see if you qualify to keep payments low.
  • Certify employment each year. This is the best way to be sure that you are on-track for loan repayment and loan forgiveness.
  • Ask for help from your loan servicer if you need additional support. Contact information for your loan servicer is posted at


Resources to Get Informed and Make a Plan

My Federal Student Aid

Borrowers can log in at to view their federal student loan information, including loan balances, interest rates and loan servicer contact information.

Repayment Calculator

Borrowers can use Estimator tool at  to compare different monthly payment options based on their loan debt, income and family size. 

Repayment Basics

By visiting, borrowers can learn how to make payments on their loans; find the right repayment plan; figure out what to do if they can’t afford their payments; and see what circumstances might result in a loan being forgiven, canceled or discharged.

HCC Financial Coaches

Many borrowers don’t have a financial action plan in place. HCC Financial Coaches help you get on track by connecting you with resources to create an action plan to budget, monitor spending habits and save money. The coaches are also committed to informing students, alumni, faculty, staff and community members about public service loan forgiveness and affordable, income-based federal student loan repayment options. Feel free to reach out to the coaching team, by email at


Beware of Student Loan Scams

You never have to pay for help with your student loans. As you’re researching repayment and forgiveness options, make sure you’re getting information from trusted sources, like .gov websites or your servicer’s website. The government and your servicer will never charge application or maintenance fees — so if you’re asked to pay, walk away.  


Contact Financial Coaches

Central College

Please reach out via email for assistance,


Northwest College (Alief, Spring Branch & Katy)

Please reach out via email for assistance,


Northeast College

Chris Ardoin


Southeast College

Armando Galvan-Cruces


Financial Aid Contact Center

Financial Aid Contact

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