Login To Your Account


Financial Freedom Community

This site is a resource for Financial Education, Debt Solutions and Tools to assist with Credit Management. All the resources on this site are free of charge. We encourage visitor feedback, Tell us what you want to see more of! Sign up for news & updates and we'll keep you posted on the latest!


Community Resources
Consumer Protection
Employment Resources
Financial Assistance
Health and Human Services
National Resources
Seniors Resource Center
Tax Resources
Getting Ready to FIle Your Federal Tax Return
Transcript – Getting Ready to FIle Your Federal Tax Return
Info Graphic – Getting Ready to FIle Your Federal Tax Return
The Importance of filing your Tax Return or Tax Extension on Time
Transcript – The Importance of filing your Tax Return or Tax Extension on Time
Info Graph – The Importance of filing your Tax Return or Tax Extension on Time
Most Common Tax Filing Errors
Transcript – Most Common Tax Filing Errors
Info Graphic – Most Common Tax Filing Errors
Owing Money To The IRS
Transcript – Owing Money To The IRS
Info Graphic – Owing Money To The IRS
What to do with your tax refund
Transcript – What to do with your tax refund
Info Graphic – What to do with your tax refund
Consumer Personal Loans
Credit Card Debt
Advantages of Making Credit Card Debt Payments on Time and Other Tips
Avoiding Credit Card Traps
Credit Card Counseling – Learn Credit Management Tips
Credit Card Debt and Simple Ways to Consolidate Them
Credit Card Debt Consolidation Nationwide Epidemic
Credit Card Debt Consolidation Solutions
Credit Card Debt Help for Senior Citizens
Credit Card Debt Reduction
Credit Card Debt Solutions That Can Help
How to Pay Your Way Out of Credit Card Debt
Paying Off Your Holiday Credit Card Debt
Prevent Identity Theft With a Credit Freeze
Saving Money on Your Credit Card Bills
Terminate Credit Card Debt Without Consolidation
Tips on Credit Cards, Part 1
Credit Collection Laws
Credit Repair Organizations Act
Fair And Accurate Credit Transaction Act
Fair Credit Billing
Fair Debt Collection Practices – Know Your Law
Statute of Limitations
The Fair Credit Reporting Act
The Fair Debt Collections Practices Act
The Truth In Lending Act
Credit Counseling
Can Consumer Credit Counseling Help Avoid Foreclosure
Credit Card Counseling
Credit Counseling a Must for Bankruptcy
Credit Counseling Benefits
Credit Counseling Can Reduce Your Debt
Difference Between Credit Counseling and Debt Settlement
Free Credit Counseling to Help Manage Your Debt
Using Credit and Debt Counseling to Manage Your Finances
What Can Credit Counseling Offer You?
What is Credit Counseling
What to Ask a Credit Counselor?
Credit Education
Balance Transfers — Are they really free?
Transcript – Balance Transfers – Are they really free?
Info Graphic – Balance Transfers — Are they really free?
Consumer's Rights
Establishing New Credit
Finance Charges
What Are Secured Credit Cards
Transcript – What Are Secured Credit Cards
Info Graphic – What Are Secured Credit Cards
Credit Reports and Scores
Credit Repair After Bankruptcy
Do you Know the Benefits of Checking your Credit Report?
2016 Understanding Consumer Credit Guide
DCC Educational PDFs
Debt Consolidation
4 Valuable Tips on Debt Consolidation
Become Debt Free With Financial Advice
Benefits of Debt Consolidation
Bill Consolidation Loans
Bill Consolidation Advice to Help With Debt
Credit Consolidation: Is It Worth Taking?
Debt consolidation and Ways to Avoid Scams
Debt Consolidation Explained - What Happens if You Don't Pay?
Debt Consolidation Loans
Debt Consolidation Loans for Payday Loan Debt
Debt Consolidation Non-Profit
Debt Consolidation Now Will Improve Your Credit Score Later
Debt Consolidation Provides Relief from Financial Stress
Debt Consolidation Services Helps to Clear Debts
Debt Consolidation – Find Relief To Your Financial Stress
Debt Management Program
Debt Management Program Will Ease Debt Burden
Do You Need Debt Consolidation?
Get a Debt Consolidation Loan to Manage Bad Debts
Government Debt Consolidation Loans
Government Debt Consolidation Loans for Student Loans
How to Consolidate – Debt Help – Consolidate Your Debt Payments
How to Consolidate Bills Effectively When Left in Debt
How to Consolidate Debt
Let the government help you consolidate your debts
The Advantages of Credit Consolidation
Understanding Debt Consolidation Loans
Debt Girls
About The Girls
Debt Settlement
Debt Settlement Scams
Info Graphic – Debt Settlment Scams
Transcript – Debt Settlement Scams
Elderly Can Benefit from Debt Settlement
Financial Tools & Calculators
Bill Reminder Tool
Bill Reminder User Guide
Car Loan Calculator
College Savings Calculator
Credit Card Payoff Calculator
Mortgage Loan Payment Calculator
Retirement Calculator
Savings Calculator
Loan Modification Guide – Do It Yourself
Frequently Asked Questions
Step 1: Prepare yourself
Step 2 Gather the necessary documents
Step 3 Know what to expect
Step 4 Contact your lender
Step 5 Review your loan-modification plan
Step 6 Finalize the approval and begin making payments
Phone Apps
Home Buying
Build or Buy a Home
Choosing a Real Estate Agent
Home Equity Interest Rate Charges
Home Equity Line of Credit
Home Equity Loan Fees
Lease Buy Backs
Transcripts – Lease Buy Backs
Info Graphic – Lease Buy Backs
Managing Your Mortgage
Mortgage Basics
Mortgage Debt Elimination, 3 Things You Must Know
Quick Guide to Loan Modification
Transcript – Quick Guide to Loan Modification
Info Graphic – Quick Guide to Loan Modification
Real Estate Laws
Renting vs Owning
Interesting Money Articles
12 Amazing Facts about Credit Card Debt
12 More Interesting Facts About Money – Part 2
24 Amazing Pictures of Money
Introduction To Budgeting
7 Steps to Successful Budgeting
All You Need to Know About Budget Basics
Basics of Personal Budgeting
Budgeting – How Much?
Debt Management and Prevention Using a Budget
How to Pay Off Debt – Start Budgeting
Maintaining and Budget Planning
Manage Your Debt by Learning How to Budget
The Basics of Budgeting
Transcript – The Basics Of Budgeting
Info Graphic – The Basics of Budgeting
The Importance of a Household Budget
Managing Debt
1 in 10 Having Wages Garnished
Advanced Fees For Unsecured Loans
Info Graphic – Advanced Fees For Unsecured Loans
Transcript – Advanced Fees For Unsecured Loans
Debt Relief The Issue of Forgiveness
Get Out of Debt by Changing Your Financial Habits
Personal Finance Management to Reduce Debt
Start Early Teaching Kids Money Management and Savings
Saving Money
Banking & Credit
Energy Saving Tips
Info Graphic – Energy Saving Tips
Transcripts – Energy Saving Tips
Enjoy the Holidays Without Breaking the Bank
Info Graphic – Enjoy the Holidays Without Breaking the Bank
Transcript – Enjoy the Holidays Without Breaking the Bank
How 'Charge Offs' Effect You
Insurance & Housing
Money Management Means Setting Goals
Save Money When going to work
Transportation Savings
Utilities and Savings
What Debt Should You Pay First?
Young Couple Finances
Student Loan Debt
Student Loan Default Penalties
Consolidate Student Loans
Student Aid
Student Loan Tips for Recent Graduates
Student Loans and the Credit Squeeze
Types Of Debts
Auto Loan Prepayment Penalties
Balance Transfers
Credit Card Minimum Payments
Gambling Debt Problem Gambling and Bankruptcy Connection
Holiday Credit Card Debt
Ideas To Save
Inherited Debts?
Six Easily Avoidable Causes of Debt
Ways to Pay Off Holiday Debts
Video Library
Personal Finance Video library
Tax Tips Video library

Free Consultation

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Latest Headlines

Latest Infographics

Most Popular Articles

Student Aid


Students seeking financial aid for school will soon find that there is not only a variety of assistance available, but also variations of each type. The three main types of assistance a student will find are Direct Loans, Federal Grants and Stafford Loans. The following is a directory for students to use to search for the answers to questions on financial aid and government programs. These sites not only provide answers to questions, but if your question is covered on the site, they provide search engines to help you to find the answer you’re looking for.

Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid administrator at the college or career school you plan to attend will determine your eligibility. Review the guidelines of all the eligibility requirements for Federal Student Aid Programs, including applications that need to be submitted to determine your eligibility.


Types of Aid:
The Federal Student Aid Programs are the largest source of college financial assistance, each year providing more than $60 billion in funding. They offer aid through a variety of methods: as gift aid in the form of grants (money that does not have to be repaid), and as self-help aid in the form of work study (job earnings) and loans (money that must be paid back at interest). There are a wide variety of each method, this site explains each method and the options that are available under each.

FAQ on Student Aid:
Find quick answers about the Direct Loan Program. This page provides the answers to common questions. If you don’t see the answer to your particular question, contact Direct Loan staff by e-mail or phone.

Alternative Sources for Student Funding:
Offers information on the main alternatives to student funding. Alternatives such as Americorps, US Army and the department of Veteran Affairs are covered.

Student Guide PDF:
Complete guide offered by the Federal Student Aid program to explain the concept of student loans and what a consumer needs to know. This is a comprehensive manual covering topics such as: Student Aid at a Glance, Types of Federal Student Aid, Federal Pell Grants, Campus Programs and Direct Loans.

Student Guide Publications:
View publications from the Federal Student Aid program. You may also download applications and student guides relating to finance and college planning.

Student Information and Search Site:
Search online resources of the Federal Government on student aid sources relating to: Planning your education, Paying for your education, Career development, Military Service, Government, Community service and Travel.

Student Loan Consolidation
The Higher Education Act provides for a loan consolidation program under both the Federal Family Education Loan and the Direct Loan Program. Under these programs, a borrowers loans are paid off and a new consolidation loan is created.

State Higher Education Contact Numbers
These agencies provide information on state education programs, colleges and universities, student aid assistance programs, grants, scholarships, continuing education programs, career opportunities, and some guaranty agencies. You can search the U.S. Department of Educations database at www.studentaid.ed.gov for contact information and Web site addresses. At the site, click on Funding, then look under State Aid.

You can also contact the agency by calling the telephone number listed below:


Alabama		1-334-242-1998 
Alaska  		1-800-441-2962
Arizona  		1-602-258-2435 
Arkansas 		1-800-547-8839 
California  		1-888-224-7268
Colorado  		1-303-866-2723
Connecticut  	1-860-947-1833 
Delaware  		1-800-292-7935 
District of Columbia  	1-202-727-6436 
Florida  		1-888-827-2004 
Georgia  		1-800-776-6878 
Hawaii  		1-808-956-8213
Idaho  		1-208-334-2270
Illinois   		1-800-899-4722
Indiana  		1-317-232-2350 
Iowa  		1-800-383-4222 
Kansas  		1-785-296-3421 
Kentucky  		1-800-928-8926 
Louisiana  		1-800-259-5626 
Maine  		1-800-228-3734 
Maryland  		1-410-260-4543 
Massachusetts  	1-617-994-6950
Michigan  		1-888-447-2687 
Minnesota 	1-800-657-3866 
Mississippi 	1-601-432-6997 
Missouri  		1-800-473-6757
Montana  		1-406-444-6597 
Nebraska  		1-402-471-0030 
Nevada  		1-775-687-9228 
New Hampshire 	1-603-271-2555 
New Jersey  	1-800-792-8670 
New Mexico 	1-800-279-9777 
New York  	1-888-697-4372 
North Carolina  	1-919-549-8614 
North Dakota  	1-701-328-2960 
Ohio  		1-888-833-1133 
Oklahoma  	1-800-858-1840 
Oregon  		1-800-452-8807 
Pennsylvania  	1-800-692-7392 
Rhode Island  	1-800-922-9855 
South Carolina  	1-803-737-2260
South Dakota  	1-65-773-3455 
Tennessee  	1-615-741-1346 
Texas  		1-877-782-7322 
Utah  		1-801-321-7207 
Vermont 		1-800-642-3177 
Virginia  		1-804-225-2632 
Washington 	1-360-753-7800 
West Virginia  	1-888-825-5707 
Wisconsin  	1-608-267-2206 
Wyoming  		1-307-777-6832 
American Samoa  	011-684-699-9155 
Guam  		1-671-735-2280 
Northern Mariana Islands  1-670-234-6128 
Puerto Rico 	1-787-724-7100 
Marshall Islands 	011-692-625-3394 
Republic of Palau 	011-680-488-1464 
Virgin Islands 	1-340-774-4546
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams