Credit Card Debt Relief/Debt Management -
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Important Articles:
1. Federal student loan update (4/15/26) - Click Here
2. Federal student loan update (12/9/25) - Click Here
3 Ways to Get Started
Speak with a Loan Counselor
Contact a Cambridge Credit Counseling student loan counselor toll-free at
888-254-9827 to start the process, or
click here to fill out a form and have Cambridge contact you directly.
Attend a Student Loan Workshop
Attend an upcoming webinar to learn more about student loan repayment strategies, forgiveness opportunities, and other important student loan updates. Learn More
Review Your Student Loan Options
Learn more about available student loan repayment options and counseling services from Cambridge -- along with guidance to better understand your repayment strategy and next steps.
Learn More
About Cambridge Credit Counseling
The NYSUT Member Benefits Corporation-endorsed Cambridge Credit Counseling
program helps NYSUT members better understand their student loan repayment options and debt consolidation opportunities. Cambridge has been assisting consumers with managing debt for more than 20 years and features nationally-certified counselors who work one-on-one with individuals to determine the most appropriate course of action for their specific debt situation.
NYSUT members are eligible to receive free no-obligation debt and student loan consultations with one of Cambridge's certified counselors.
Cambridge counselors can help members better understand available repayment strategies, including student loan forgiveness opportunities, income-driven repayment plans, consolidation options, and other repayment solutions. Cambridge also provides counseling for foreclosure intervention, reverse mortgage, bankruptcy, and first-time homebuyer education.
Additional Cambridge Student Loan Services
Upon request, the following discounted services are available to NYSUT members:
Fee - $39: Assistance with annual re-certification. NYSUT members utilizing income-driven repayment plans will be contacted by Cambridge to remind them to submit their re-certification paperwork and assist in determining any changes to their repayment structure.
Fee - $150: Upfront fee for a Cambridge certified counselor to complete the necessary paperwork on behalf of the member to carry out the chosen repayment plan.
Fee - $195: Payable in five monthly installments of $39 upon the completion of the paperwork, a Cambridge certified counselor will complete the necessary paperwork on behalf of the member to carry out the chosen repayment plan.
Waiver of fee-based services:
Cambridge will waive the above fees if a NYSUT member’s household income falls below 150% of the HHS Federal Poverty Guidelines.