Occupations · Business and Financial Operations
Credit Counselors
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
O*NET 30.3 Database (USDOL/ETA) · occupation code 13-2071.00
What it pays
A single “average salary” hides the spread. This is the whole distribution — the gap between the bottom and top bar is usually the number that matters.
BLS Occupational Employment and Wage Statistics, May 2024 · national, cross-industry · annual wage
These are national figures, identical for every reader. The report recuts them for your metro area and ranks it among all of them.
Get yours →Pay over time
Median up 51% between 2003 and 2024, before inflation. The band shows the 10th to 90th percentile.
BLS OEWS, one release per year. Before May 2011 only national estimates were published, so geography detail starts there.
Where the jobs are
| Metro area | Median wage | Employed |
|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA | $63,330 | 1,440 |
| Chicago-Naperville-Elgin, IL-IN-WI | $52,280 | 1,020 |
| Dallas-Fort Worth-Arlington, TX | $49,430 | 980 |
| Phoenix-Mesa-Scottsdale, AZ | $47,310 | 950 |
| Los Angeles-Long Beach-Anaheim, CA | $64,920 | 850 |
BLS OEWS May 2024, metropolitan estimates · the 5 areas with the most people in this occupation
Your metro area, and where it ranks
LockedAll metropolitan areas BLS publishes for this occupation, with your own city's median and its rank among them.
Open in your report →Typical education to enter: Bachelor's degree · BLS Employment Projections 2024–34
What people in this job actually do
Ordered by how important the work is rated.
- Calculate clients' available monthly income to meet debt obligations.
- Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- 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.
- 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.
- Disburse funds from client accounts to creditors.
- Interview clients by telephone or in person to gather financial information.
- Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
- Prepare written documents to establish contracts with or communicate financial recommendations to clients.
- Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
O*NET 30.3 task ratings, importance scale
Skills that matter most
Importance, rated 1 to 5.
O*NET 30.3 skills, importance scale
Software and tools
A dot marks what O*NET flags as in demand.
O*NET 30.3 software skills · hot-technology flag
What your tools are worth
Occupation-based, not posting-based: how much employment, pay and projected growth sit behind each tool. It is not a count of job ads.
| Tool | Value | Spread across occupations |
|---|---|---|
| Microsoft Access | 71 | 265 → 372 occupations since 2015 |
| Microsoft PowerPoint | 69 | 400 → 629 occupations since 2015 |
| Microsoft Outlook | 68 | 348 → 642 occupations since 2015 |
What your tools are worth
LockedThe same score for every tool in this occupation, plus the ones you ticked and the ones you did not.
Open in your report →What this work is actually like
Conditions rated against the average across all occupations — only what makes this job different is listed.
O*NET 30.3 Job Zones
Working conditions that stand out
O*NET 30.3 work context, frequency scale · observed 2020-08
How people actually get in
Share of workers by the education they hold.
O*NET 30.2 education, training and experience · observed 2020-08
What kind of person the work suits
Occupational interest profile, rated 1 to 7.
O*NET 30.2 occupational interests (RIASEC)
What you take with you
Skills rated for how well they transfer into other occupations.
O*NET 30.3 transferable skills, importance scale
Knowledge the work draws on
Abilities it leans on
O*NET 30.3 abilities and knowledge, importance scale
How this job is advertised
The same work is posted under many titles — this is what to search for.
O*NET 30.3 job titles reported for this occupation
Get this as a personal report
The same sourced evidence, recut for the closest published view of your city, state or industry, as a dated PDF.
Free page vs. the $29 report
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What changed since 2015
Comparing O*NET release 20.1 (2015-10-01) with 30.3 (2026-05-01). Signs, not colour alone, carry the meaning. 1 entries that were only relabelled between releases are left out.
Now listed 3
No longer listed 12
Diff across the O*NET releases held here in full since October 2015, following occupations through merges and retirements. O*NET re-surveys occupations on a rolling cycle, so “no change” can also mean “not re-surveyed”.
Related jobs
O*NET 30.3 related occupations
Also called
O*NET 30.3 alternative titles
The same work in Europe
| ESCO occupation | ISCO | Match |
|---|---|---|
| credit adviser | 3312.2 | exact |
| credit analyst | 3312.2.1 | close |
| corporate banking manager | 2412.2 | close |
| student financial support coordinator | 3312.7 | broader |
Official ESCO ↔ O*NET crosswalk (ESCO Secretariat with USDOL/ETA)
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