MyCreditCounselor

MyCreditCounselor is a Columbus, Ohio-based credit counseling practice operated by Andrew Weber, a NACCC Certified Credit Counselor (since 2011) and NACCC Certified Student Loan Counselor (since 2014). Unlike large non-profit credit counseling agencies, this is a boutique solo practice built around direct, one-on-one access to a credentialed specialist. Weber positions himself as one of the few practitioners in the country who focuses exclusively on private student loan negotiation — a niche that traditional credit counseling agencies rarely handle well, given that private loans fall outside the federal income-driven repayment programs available to most borrowers.

The firm's core offering is private student loan settlement and negotiation. Weber reports having settled millions of dollars in private student loan balances with major lenders including Navient, Sallie Mae, Chase, Citizens Bank, Bank of America, Wells Fargo, SoFi, Earnest, Citibank, and the National Collegiate Trust — a particularly aggressive servicer that frequently sues borrowers. Beyond student loans, the practice also appears to offer general credit counseling, debt settlement consultation for other consumer debts, and assistance stopping debt collector harassment. Rates for his services are not publicly listed on the website and are disclosed through a direct consultation.

Consumers should understand a few important realities before engaging any debt settlement practitioner. Negotiating a private student loan settlement — where you pay less than the full balance — typically requires the loan to be in default or serious delinquency, and the settled balance is often treated as taxable forgiven income. Settlement also leaves a negative mark on your credit report. This is not the same as credit repair or credit score improvement; it is a debt resolution strategy suited to borrowers who have already exhausted other options and cannot realistically repay the full amount. If your goal is purely to raise your credit score or dispute inaccurate items, a different type of service may be more appropriate.

MyCreditCounselor carries a rare 5.0 out of 5.0 rating across over 100 Google reviews — a level of consistency that is genuinely uncommon in this industry and suggests a high rate of client satisfaction. The dual NACCC certifications spanning 15 years add meaningful legitimacy. The main practical consideration is that this is a one-person operation: direct access to the expert is an advantage, but capacity is finite and availability may be limited. Before engaging, prospective clients should confirm current availability, ask for a clear fee agreement in writing, and ensure their specific debt type falls within Weber's focus area.