Career Explorer Business and finance
Changing shape
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.
Among the careers AI is changing fastest: more resilient than 12% of the 831 careers we score. AI exposure is very high (the Bureau of Labor Statistics rates it very high), and US jobs are projected to change by +3.3% by 2035, slower than average. The work leans on emotional intelligence and creative vision.
AI can do many of the tasks, and hiring is expected to grow slower than average or to shrink. The job is likely to change, so build the human parts of it.
- Median pay (2025)
- $52,230
- Job growth to 2035
- +3.3%
- Openings a year
- 2,000
- People doing it (2025)
- 31,200
- Usual route in
- Bachelor's degree, then moderate on-the-job training
Where people already use AI for this work
- Explain financial information
- Advise others on financial matters
- Explain regulations, policies, or procedures
From Microsoft Research, Working with AI (2025).
Work AI rarely helps with
- Develop financial or business plans
- Evaluate condition of financial assets, property, or other resources
- Interview people to obtain information
What the work looks like
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
- Calculate clients' available monthly income to meet debt obligations.
- 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.
- Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
From O*NET 31.0, US Department of Labor.
Careers using similar strengths, with a stronger outlook
- Labor relations specialistsChanging shape, Index 39, +2.1%
- Human resources specialistsGrows with AI, Index 28, +6.4%
- Buyers and purchasing agentsGrows with AI, Index 41, +6.0%
- Dietitians and nutritionistsGrows with AI, Index 35, +7.7%
Also known as: Accredited Financial Counselor, Certified Credit Counselor, Financial Coach, Housing Counselor, Budget Credit Counselor, Certified Consumer Credit and Housing Counselor, Certified Credit Consultant, Certified Financial Coach.
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Sources: US Bureau of Labor Statistics Employment Projections 2025 to 2035; O*NET 31.0; Microsoft Research (2025); Anthropic Economic Index (2026); Eloundou and colleagues (Science, 2024); Felten, Raj and Seamans (2023). How we score. Updated 12 October 2026.