Student Loan Debt Challenge

Manage Your Student Loan Debt


After graduation when you seek to start a career, raise a family, buy a home, launch a business and/or save for retirement, debt can leave you feeling overwhelmed, burdened and out of options. Feeling like this doesn’t have to be your reality — you DO have options to manage and overcome federal student loan debt.  

President Obama’s Administration committed itself to ensuring that the more than 40 million Americans who hold over $1.2 trillion in student loans have income-based, affordable options to manage their student debt.

The White House Student Debt Challenge is a call to action for colleges, universities, non-profits, businesses, state and local governments, and other employers to help borrowers understand their options; enroll in income-based federal loan repayment plans and/or public service loan forgiveness programs; and avoid delinquency and default.   

HCC accepted The White House Student Debt Challenge because it wants to see its future, current and past student Eagles, along with the community and its faculty and staff, soar beyond the burden of debt. 

We've got some great resources to help you be done with delinquency.

  1. Join us in taking the Student Loan Debt Challenge below.
  2. Watch our Student Loan Debt Challenge video series to learn about all your repayment options. 
  3. Read our "3 Steps to Take Charge of your Student Loan Debt" reference list below the video series. 
Click here to load this Caspio Cloud Database

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: 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.

To learn more about how Coaches can help, visit

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.  

Communication, Education and Outreach: HCC’s Nationally Recognized Commitment

With planned initiatives recognized by the White House and US Department of Education, HCC is committed to supporting student loan repayment through outreach to employees, parents, students, alumni and community members. 

HCC’S Financial Coaches will hold workshops and one-on-one financial coaching sessions to help borrowers understand federal student loan repayment options.

Subscribe to alerts for events by visiting


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

Call Center Hours: Monday - Thursday 7 a.m. - 7 p.m. | Friday 8 a.m. - 5 p.m.

Campus Hours: Monday - Thursday 8 a.m. - 6 p.m. | Friday 8 a.m. - 5 p.m.

Live Chat Hours: Monday – Friday 9 a.m. – Noon and 2 p.m. – 5 p.m.