We did credit counseling through ACCC a few years back. Not sure if it's changed, but they wouldn't take student loans. They did credit cards, loans (personal) and medical debt. They interview you, ask a bunch of questions and then come with one monthly payment. The nice thing is they contact the creditor for you. Keep in mind though, for credit cards, the specific company will likely close your account once you start working with a credit counselor. Once the payment is automatically deducted, they disperse to each creditor and will give you an update on each balance. Once you pay one off, they apply that payment to another debt- snowball method! It took us 4 years in the program and we paid off all of our cards, loans from our wedding, and medical debt in collections!