Credit Counselors
Official O*NET title: Credit Counselors (13-2071.00)
Also called: accredited financial counselor, budget credit counselor, certified consumer credit and housing counselor, certified credit consultant, certified credit counselor
Do you do this at work?
Answer each card — it takes about a minute.
Do you do this at work?
Explain general financial topics to clients
Swipe right for yes, left for not me. On a keyboard: → yes, ← not me, Z undo. +2 XP per answer.
How AI is changing credit counselors work
10 of 19 measurable main tasks for this job show up in real AI-use data, so we rate it Red (lots of AI use) — 53%.
This shows where people already use AI, not whether the job will disappear. How we measure this.
Tasks in this job and recorded AI use
- Explain general financial topics to clients (main task) — a lot of recorded AI use
- Recommend strategies for clients to meet their financial goals (main task) — a lot of recorded AI use
- Prepare written documents to establish contracts with or communicate financial recommendations to clients (main task) — a lot of recorded AI use
- Recommend educational materials or resources to clients on matters (main task) — a lot of recorded AI use
- Teach courses or seminars on topics (main task) — some recorded AI use
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals (main task) — some recorded AI use
- Estimate time for debt repayment, given amount of debt, interest rates, and available funds (main task) — some recorded AI use
- Explain services or policies to clients (main task) — some recorded AI use
- Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information (main task) — some recorded AI use
- Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed (main task) — some recorded AI use
- Calculate clients' available monthly income to meet debt obligations (main task) — no recorded AI use
- Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat (main task) — no recorded AI use
- Interview clients by telephone or in person to gather financial information (main task) — no recorded AI use
- Maintain or update records of client account activity (main task) — no recorded AI use
- Prioritize client debt repayment to avoid dire consequences (main task) — no recorded AI use
- Advise clients on housing matters (main task) — no recorded AI use
- Refer clients to social service or community resources for needs beyond those of credit or debt counseling (main task) — no recorded AI use
- Explain loan information to clients (main task) — no recorded AI use
- Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs (main task) — no recorded AI use
- Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans — no recorded AI use
- Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments — no recorded AI use
- Disburse funds from client accounts to creditors — no recorded AI use
- Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems — no recorded AI use
Tasks: O*NET 31.0. AI use: Anthropic Economic Index (exact or close text match).
Your first steps (guidance)
- Week 1: Open a free AI assistant and say hello. Follow our “Getting started with AI” guide. Ask it one simple question about your work.
- Week 2: Use AI on one task you do often. Try the prompt for: “Explain general financial topics to clients”. Try the prompt for: “Recommend strategies for clients to meet their financial goals”.
Tick your own tasks above to get a plan based on what you really do. The first 2 weeks are free; Premium (coming soon) adds weeks 3–12. New to AI? Read our beginner’s guide.
Questions about AI and credit counselors
Will AI replace credit counselors?
Our data can’t predict job losses, and we don’t try to. What it does show: 10 of the 19 main tasks for this job match tasks people already use AI for (Anthropic Economic Index), giving a Red rating (lots of AI use). Using AI on a task is not the same as AI doing the whole job, and 13 of the 23 listed tasks show no recorded AI use yet.
Which credit counselor tasks is AI used for most?
In the data, the most AI use among this job’s tasks is for: explain general financial topics to clients; recommend strategies for clients to meet their financial goals; prepare written documents to establish contracts with or communicate financial recommendations to clients.
Which credit counselor tasks show little or no AI use?
For example: calculate clients' available monthly income to meet debt obligations; advise clients or respond to inquiries about financial matters in person or via phone, email, web site, or internet chat; interview clients by telephone or in person to gather financial information. These are good places to keep building your own skills.
How does this job compare to others?
In Microsoft Research’s “Working with AI” study, this job’s AI applicability score is equal to or higher than 86% of the occupations they scored. That measures overlap with AI chat use, not risk of job loss.
How can a credit counselor start learning AI?
Start small: open a free AI assistant, try it on one task you do often, and always check facts and numbers yourself. The plan on this page is guidance, not professional advice.
See how this job ranks
Credit Counselors ranks #113 of 572 jobs for the share of main tasks with AI use (#1 = most), and #7 of 31 in Finance.
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