An increasing number of individuals have defaulted on their student loans in recent years, with the biggest offenders graduating from for-profit schools at 11.6%.  While some of the causes include an unstable economy offering lower paying jobs and high unemployment, most people simply do not know how to properly manage their finances.  In addition, student loan borrowers are typically unaware they can shorten their debt repayment time.  For many, this is their first time living independently and they have not been educated about debt management.  It is this lack of understanding that can lead to costly mistakes that result in a failure to pay student loans, low credit scores, and an inability to obtain future employment due to their impacted FICO scores. The Student Loan Payment Acceleration Program provides the financial management techniques necessary to help lower the default rates of existing customers, which will enable participants to provide aid to other individuals.