Credit Counselor

Also called: Debt Counselor

Helps people with debt problems create budgets and repayment plans.

A day in the life

A family is drowning in credit card debt, so you go through their bills, negotiate lower interest rates with creditors and set up a monthly plan.

Pay over a career

Starting
$36k
Typical
$50k
High
$75k

Training

High school diploma, about 1 year after high school. High school diploma or bachelor's; certification required by most nonprofits.

Ways in: Certification, On-the-job training, 4-year college. Training cost: Under $15k.

Majors to look at: Finance, Social Work.

Outlook

Growing faster than average (about 5% over 10 years). Faster than average.

Will it last? Our AI estimate

Medium risk in 5 years, high in 10. AI budgeting tools and automated debt plans handle routine cases; human counselors remain for hard, emotional situations.

Could start right away

Age 18+. One way to start: Apply to nonprofit credit counseling agencies (NFCC members) as a counselor trainee; they train and certify you

Start now, in high school

Classes: Personal finance, Psychology, Spanish, Speech.

Official data: O*NET occupation 13-2071.

More Financial Planning & Advising careers

Career Universe is an early version. Pay, training and AI-risk figures are estimates to start your own research, not verified facts. The research was written with AI research assistants, checked by validation scripts and spot-checked by hand. Check anything important with schools, employers and official sources. How the numbers work.