Credit Counselors
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explaining loan requirements or restrictions. May help develop debt management plans, advise on credit issues, or provide budget, mortgage, and bankruptcy counseling.
AI Impact Summary
Credit Counselors faces moderate AI displacement risk with a score of 35/100. This occupation has higher AI displacement risk than 65% of all analyzed occupations. Of 23 analyzed tasks, 4 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Skill Impact Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Information Ordering is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (11)
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (7)
Recommended Courses
Courses matched to Credit Counselors skill gaps, ranked by relevance to your displacement risk profile.
Get personalized recommendations. Answer a few questions about your experience and skills to get course suggestions tailored specifically to you.
Upskill to Reduce Risk
Courses addressing your most AI-vulnerable skills
Machine Learning Specialization
by Stanford / DeepLearning.AI
Estimated Impact
AI-Augmentation Tools
Learn to work alongside AI and boost your productivity
Creative Writing Specialization
by Wesleyan University
Estimated Impact
Strengthen Your Edge
Double down on skills AI can't replicate
Customer Service Fundamentals
by Knowledge Accelerators
Estimated Impact
We may earn a commission when you enroll through our links, at no extra cost to you. This helps fund the Takeover Tracker.
Risk reduction and salary impact are estimates based on skill gap analysis, course relevance, and labor market data. Actual results vary by individual circumstance.
Education & Training
Percentage of workers at each education and training level
Education Level
Prior Experience Needed
Work experience required to enter this job
Training Provided After Hiring
How long it typically takes to learn on the job
How AI Impacts Each Task
23 tasks analyzed
Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
Calculate clients' available monthly income to meet debt obligations.
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
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.
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.
Interview clients by telephone or in person to gather financial information.
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
Prepare written documents to establish contracts with or communicate financial recommendations to clients.
Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies.
Disburse funds from client accounts to creditors.
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
Estimate time for debt repayment given amount of debt, interest rates, and available funds.
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or to set up payment plans.
Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit.
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy.
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.
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
| Task | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information. | 50Observed | 47.0% | 8% | |
| Calculate clients' available monthly income to meet debt obligations. | 92Estimated | 86.0% | 4% | |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | 59.67Observed | 50.9% | 8% | |
| 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. | 62.32Observed | 51.9% | 6% | |
| 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. | 70Estimated | 55.0% | 5% | |
| Interview clients by telephone or in person to gather financial information. | 40Estimated | 31.0% | 8% | |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | 56.27Observed | 37.5% | 5% | |
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | 30Estimated | 27.0% | 4% | |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | 57.05Observed | 72.0% | 4% | |
| Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies. | 51.82Observed | 35.7% | 4% | |
| Disburse funds from client accounts to creditors. | 97Estimated | 88.0% | 2% | |
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. | 70.83Observed | 43.3% | 6% | |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | 44.25Observed | 66.9% | 6% | |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | 40Estimated | 31.0% | 3% | |
| Estimate time for debt repayment given amount of debt, interest rates, and available funds. | 50Observed | 69.2% | 3% | |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or to set up payment plans. | 35Estimated | 29.0% | 6% | |
| Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit. | 59.2Observed | 38.7% | 2% | |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | 51.2Observed | 47.5% | 4% | |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | 60Estimated | 51.0% | 3% | |
| Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy. | 60.35Observed | 39.1% | 3% | |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | 50Estimated | 35.0% | 2% | |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | 60Estimated | 51.0% | 2% | |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | 77Estimated | 80.0% | 2% |
Protective Factors
Total protective discount: 28.8%
Essential Soft Skills
Traits that are hard for AI to replicate
Wage & Employment (2024)
Median Wage
$50,480
per year
Mean Wage
$55,890
per year
Employment
28K
workers
Wage Range
$38,980 - $77,920
10th - 90th pct
Wage Distribution
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Recommendations
Skills to Develop
These skills are at risk from AI automation. Credit Counselors professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
Information Ordering is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Adaptability/Flexibility
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
- Service Orientation
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
- Leadership
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Monitoring
Monitoring will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Score History
Risk score over 3 scoring runs
overall change