Pioneer Credit Counseling now addresses student loans as part of our broader Debt Management Program, ensuring that all types of debt are handled within one comprehensive plan. While we no longer offer a stand-alone student loan product, our certified counselors can help you explore repayment strategies and connect you with trusted federal resources such as the U.S. Department of Education and Federal Student Aid for accurate, up-to-date information. Total U.S. student loan debt has reached $1.81 trillion, with the average federal borrower owing about $39,000.