JOB REPORT / 13-2071 · 23 TASKS

Credit Counselors.

Can AI do the work of Credit Counselors?

Mostly it works alongside you. Here is what shifts, task by task.

YOUR EXPERIENCE MATTERS

How does this fit your work?

How many tasks do you use AI to assist with at work?

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The mark shows what’s typical for this job.

The parts of your job AI can already do most of:

Estimate time for debt repayment, given amount of debt…
Calculate clients' available monthly income to meet debt obligations
Maintain or update records of client account activity

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A guided certificate program in AI-assisted Credit Counselors work. It covers the 23 AI-affected parts of your job and ends in a capstone a person reviews.

WHAT WE LOOKED AT

Your job, task by task.

23 of 23 tasks reviewed

We went through all 23 core tasks in this job, one at a time.

Task by task, from the work Credit Counselors actually do. How we describe AI use in each task is our own read of it, not a measurement of whether AI can replace the job.

TASK 01
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
AI DOES
Runs debt payoff calculations and generates repayment timelines instantly
YOU DO
Account for the client's real-life situation and keep them motivated
TASK 02
Calculate clients' available monthly income to meet debt obligations.
AI DOES
Runs income and expense calculations instantly and checks debt ratios
YOU DO
Verify the numbers match the client's true life situation
TASK 03
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
AI DOES
Transcribes notes, auto-populates fields, and organizes records from multiple sources
YOU DO
Verify accuracy and protect sensitive client information
TASK 04
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.
AI DOES
Searches, summarizes, and organizes financial education resources by topic or reading level
YOU DO
Match materials to each client's personal situation, trust level, and readiness to change
TASK 05
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
AI DOES
Drafts plain-language summaries of loan options, eligibility rules, and restrictions
YOU DO
Read the client's real situation and adjust the conversation to build trust and understanding
TASK 06
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
AI DOES
Searches current rules, hardship programs, and legal options for debt relief
YOU DO
Listen to the client's full story and choose the right strategy for their specific situation
TASK 07
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
AI DOES
Drafts plain-language summaries of policies, FAQs, and program rules
YOU DO
Read the client's emotions and adjust how you explain hard news in real time
TASK 08
Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
AI DOES
Ranks debts by interest rate, due date, or risk level and runs repayment scenarios instantly
YOU DO
Listen to the client's full situation and decide what tradeoffs actually make sense for their life
TASK 09
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
AI DOES
Pulls credit reports, flags debt ratios, and organizes financial data into clear summaries
YOU DO
Listen to the client's full story and apply judgment about their real-life circumstances
TASK 10
Disburse funds from client accounts to creditors.
AI DOES
Automates payment scheduling, flags discrepancies, and processes routine transfers
YOU DO
Catch errors, handle disputes, and make judgment calls on unusual account situations
TASK 11
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
AI DOES
Drafts personalized action plan templates and pulls up relevant rent or mortgage assistance programs by location
YOU DO
Meet the client, understand their full story, and adapt the plan to their real circumstances
TASK 12
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
AI DOES
Drafts email replies, answers common questions, and surfaces relevant financial info fast
YOU DO
Read the client's full situation and build the trust needed for real behavior change
TASK 13
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
AI DOES
Scans updated financial data, flags mismatches, and drafts revised budget options
YOU DO
Weigh the whole person's situation and build trust through real conversation
TASK 14
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
AI DOES
Searches databases of local social services, generates tailored referral lists, and drafts referral letters
YOU DO
Listen to the full human story and choose the right resource for that specific person
TASK 15
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
AI DOES
Drafts course outlines, quizzes, and explainer content on budgeting and personal finance
YOU DO
Read the room, adapt in real time, and connect personally with learners
TASK 16
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
AI DOES
Searches payment histories, flags missing or returned items, and summarizes account discrepancies
YOU DO
Make judgment calls, negotiate with creditors, and earn client trust through real conversation
TASK 17
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
AI DOES
Pulls up mortgage options, summarizes foreclosure timelines, and drafts budget plans
YOU DO
Build trust with anxious clients and tailor advice to their full life situation
TASK 18
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.
AI DOES
Drafts negotiation scripts, summarizes client debt profiles, and suggests realistic payment plan options based on creditor data
YOU DO
Build trust with creditors and make real-time judgment calls during live negotiations
TASK 19
Interview clients by telephone or in person to gather financial information.
AI DOES
Drafts interview question guides, summarizes intake forms, and flags missing financial data
YOU DO
Build trust with clients who may feel stressed or embarrassed about money
TASK 20SOURCE-BACKED TASK
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
AI DOES
Calculates budgets and suggests spending allocations
YOU DO
Understand client priorities and build trust
About this analysis
37% · Methodology: exposure-v1 · Analysis date: unavailable · Confidence: medium
TASK 21SOURCE-BACKED TASK
Prepare written documents to establish contracts with or communicate financial recommendations to clients.
AI DOES
Drafts contract language and financial summaries
YOU DO
Tailor advice to client's real situation
About this analysis
34% · Methodology: exposure-v1 · Analysis date: unavailable · Confidence: medium
TASK 22SOURCE-BACKED TASK
Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.
AI DOES
Suggests strategies based on financial data analysis
YOU DO
Guide clients through tough personal choices
About this analysis
27% · Methodology: exposure-v1 · Analysis date: unavailable · Confidence: medium
TASK 23SOURCE-BACKED TASK
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
AI DOES
Generates explanations and examples for financial topics
YOU DO
Tailor the message to each client
About this analysis
11% · Methodology: exposure-v1 · Analysis date: unavailable · Confidence: medium

START LEARNING AI

Practice AI.
Use your judgment.

There are 23 short lessons for this job, about 15 minutes each. Each one starts from a task above and teaches the part that stays with you.

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AT A GLANCE

Occupation: Credit Counselors
SOC code: 13-2071
Tasks reviewed: 23 of 23

How we assess

PAY & OUTLOOK

Compare pay by state

Median pay (national): $52,230 · BLS OEWS 2025
Median pay (Colorado): $57,130 · BLS OEWS 2025
Employed (national): 27,770
Employed in Colorado: 360
Job outlook: +3.3% by 2034 · ~2,200 openings/yr

Wages from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics. National figures cover the United States. Job outlook is national.

How does this fit your work?

Earn a certificate in your job

Your job, task by task.

Estimate time for debt repayment, given amount of debt, interest rates, and available funds.

Calculate clients' available monthly income to meet debt obligations.

Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.

Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.

Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.

Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.

Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.

Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.

Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.

Disburse funds from client accounts to creditors.

Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.

Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.

Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.

Refer clients to social service or community resources for needs beyond those of credit or debt counseling.

Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.

Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.

Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.

Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.

Interview clients by telephone or in person to gather financial information.

Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.

Prepare written documents to establish contracts with or communicate financial recommendations to clients.

Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.

Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.

Practice AI.Use your judgment.

Practice AI.
Use your judgment.