College Credit
Card Debt

Century’s 3-Step program has worked for over 255,000 people and counting.

Learn how debt settlement works.

Credit Card Debt Relief for Students and Graduates Nationwide

It’s no secret that college is expensive, and the cost of living, transportation, food, entertainment, and supplies can lead to high credit card bills. Whether you’re still in school or you’ve recently graduated, Century Support Services offers student debt relief programs nationwide to help. We work with you to develop a personalized solution to help you regain control of your financial future. Contact us to find out if you’re eligible.

What Is College Credit Card Debt Relief?

Beyond tuition, the college experience comes with a hefty price tag. Even if you have a job while in school, you might not earn enough to pay all your bills and have extra for nights out with friends. Many college students rely on credit cards to cover the gap, figuring they'll earn enough to pay them off with a summer job or after graduation. Unfortunately, high interest rates can make this difficult to manage, but there are a few options to help you move forward:

Loan Consolidation - This option combines multiple credit card bills into one, lower-interest monthly payment. It simplifies payments but may not reduce your total debt.
Refinancing - You can replace your debt with a new private loan or credit card that may lower your interest rate and monthly payment, resulting in long-term savings.
Debt Settlement - If your goal is to reduce what you owe on your cards, negotiating with creditors to pay a lump sum that is less than the total amount you owe is an option.

How Century’s Program Works

What Type of Debt Do You Have?

Many college students have unsecured debt, which is a loan, such as credit, that’s not tied to collateral. A secured loan is something like an auto loan tied to a vehicle or a mortgage tied to a house. Credit cards are a significant source of unsecured debt, although utility and hospital bills fall into this category too.

How Debt Settlement Works

Debt settlement is a strategic approach to resolving your credit card debt for less than what you owe. Our Certified Debt Specialists negotiate directly with your creditors on your behalf. You'll make custom monthly deposits into a secure account, and once enough funds are saved, you'll use them to pay off the settled amount, helping you get on a path toward financial freedom.

Frequently Asked Questions About Student Debt

: Debt settlement is primarily an option for credit card debt. The majority of private and federal student loans, about 90%, are not eligible for debt settlement. However, settling credit card debt and reducing what you owe will free up more cash, allowing you to put more towards your student loans instead of high-interest credit cards.

: During a free consultation with one of our Certified Debt Specialists, we’ll determine if you’re eligible. Typically, an eligible student or graduate is someone who has high-interest credit debt and can only make the minimum payments each month, so their debt never shrinks, or they have several late or missed payments. Whether it’s an insurmountable figure or you’re between jobs or managing a medical condition that prevents you from working, we'll help determine if debt settlement is the right option for your situation.

: Debt settlement can have a temporary negative impact on your credit score because you stop making direct payments to your creditors while we negotiate on your behalf. However, as your debts are settled and resolved, your score can begin to recover, and you'll be on a path to a stronger financial future.

: If you're struggling with overwhelming credit card debt while still paying off student loans, settlement can be a clear path to debt relief. It allows you to resolve your credit card debt for a fraction of the total amount owed, freeing you from long-term financial burdens and high-interest payments so that you can focus on student loans.

Choosing our company means you receive a valuable service while partnering with an organization centered on the customer experience and financial success. We offer a transparent, results-based program to reduce your debt faster, with expert guidance every step of the way:

Pay only for results
Maintain control of your debt settlement
Access to expert support 24/7

We’ve helped over 300,000 individuals settle over $2 billion in debt. Your debt settlement could be the next success story in our history of delighted customers enjoying financial recovery.