Is Your Institution Prepared for a Rising Cohort Default Rate (CDR)?

With Federal Student Aid projecting that 10 million+ borrowers will default on their student loans, institutions face serious exposure to elevated CDRs, and the potential consequences are significant!

Request an in-depth analysis of your student borrower data to assess and mitigate your institution’s risk of a high CDR.

Please complete the form to get started on your CDR assessment today!


Free Debt Counseling for Students

Helping Schools Reduce Defaults and Empower Borrowers

At Champion Solutions, we believe every student deserves access to clear, compassionate financial guidance. Our free debt counseling services for students are designed to help schools, colleges, and trade institutions lower student loan delinquency, reduce default rates, and empower students with the knowledge to achieve lasting financial success.

Why Free Debt Counseling Matters for Students and Schools

For many students, borrowing is a necessary step toward higher education. Yet without proper guidance, repayment can become overwhelming — leading to missed payments, loan default, and long-term financial hardship.

Default has serious consequences for both students and schools. Borrowers risk damaged credit, wage garnishment, and emotional stress, while institutions face higher cohort default rates (CDR), compliance challenges, and potential loss of Title IV funding.

By offering free student debt counseling, schools provide accessible, judgment-free support that helps students understand repayment options, manage debt effectively, and avoid default.

Our Approach to Free Student Debt Counseling

We deliver free debt counseling programs with honesty, clarity, and compassion. Students need more than information — they need understanding and encouragement. Working alongside school administrators and financial aid offices, we provide counseling that builds trust and helps borrowers take control of their financial futures.

 

Key Features of Our Free Debt Counseling

Personalized Guidance

One-on-one student loan counseling tailored to each borrower’s loan balance, repayment plan, and financial challenges.

Plain Language Support

Complex terms are simplified so students fully understand their repayment rights and responsibilities.

Repayment Planning

Step-by-step assistance with repayment plans, deferments, forbearance, and forgiveness programs.

Proactive Communication

Outreach that engages students early to prevent delinquency before it becomes default.

Emotional and Practical Support

Compassionate guidance that addresses both the stress and the strategy of debt management.


Benefits of Offering Free Debt Counseling at Schools

Institutions that implement free student debt counseling services gain measurable results:

  • Lower cohort default rates and reduced institutional risk
  • Stronger compliance with Department of Education requirements
  • Greater student trust, satisfaction, and retention
  • Reduced workload for financial aid teams
  • Protection of access to federal funding eligibility

Why Schools Trust Champion Solutions for Free Debt Counseling

Schools trust us because we combine technical expertise in student loan default prevention with a human-centered approach to communication. Champion Solutions partners with administrators to strengthen compliance, reporting, and default management, while Champion Empowerment provides direct student counseling with clarity and compassion. Together, we deliver debt counseling solutions that make both students and institutions stronger.

Take the Next Step Toward Debt Counseling Support

If your institution is ready to offer free debt counseling for students, Champion Solutions is here to help. By working together, we can reduce defaults, improve regulatory compliance, and ensure every student has the financial guidance they need to succeed.

FAQs

Q1. What is free debt counseling for students?

Free debt counseling provides students with personalized financial guidance on loan repayment, budgeting, and debt management. It helps borrowers understand their options, reduce delinquency, and avoid default.

Q2. How does free debt counseling benefit schools?

By offering free debt counseling, schools can lower cohort default rates, improve compliance with Department of Education requirements, and build stronger trust with their students.

Q3. Who can access free debt counseling services?

Free debt counseling is available to students at participating schools, colleges, universities, and trade institutions that partner with Champion Solutions and Champion Empowerment.

Q4. What topics are covered in free student debt counseling?

Counseling sessions include repayment plans, deferments, forbearance, forgiveness programs, budgeting, credit education, and emotional support to reduce the stress of debt.

Q5. Can free debt counseling help prevent student loan default?

Yes. With proactive outreach and step-by-step repayment planning, free debt counseling helps students avoid delinquency, reduce default rates, and stay on track financially.

Q6. Why should schools partner with Champion Solutions for free debt counseling?

Champion Solutions combines technical expertise in student loan default prevention with compassionate counseling. We help institutions meet compliance needs while giving students the support they deserve.