What it pays
Government survey numbers — not estimates, not ads.
Half of all Credit Counselors in the U.S. earn more than $52,230 a year — the middle 80% land between $38,350 and $80,440. About 27,770 people in the U.S. do this work. Figures are for the U.S. occupation group “Credit Counselors”. (U.S. Bureau of Labor Statistics survey, published 2025.) In India, Professionals earn about ₹38,298 a month on average — around ₹4.6 lakh a year (government PLFS survey via ILOSTAT, occupation-family figure).
$52,230typical pay / year
27,770people in this work
$80,440+top 10% earn
₹4.6 lakha year in India (family avg)
Think you get this job?Six quick questions on how it really works — with a hint and the reason behind every answer.
Test yourself →The work, task by task
These are the real jobs-to-be-done, not a wish list. Each task shows where we found it, and the prompt underneath is written for that exact task.
Get approval2
Provide financial counseling
+Counsel Maria Santos on her budget and debt options: review her credit report and latest pay slips, explain…
Provide financial counseling
+Counsel Maria Santos on her budget and debt options: review her credit report and latest pay slips, explain how her credit score affects housing eligibility, map a 12-month repayment plan with priority payments and emergency buffer, and email the plan to her tonight.
The tools that do the workMicrosoft ExcelMicrosoft Outlookjob descriptionsWikipedia
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Assist consumers with budgeting
+Build a simple month‑by‑month household budget for Maria Ramos showing income, fixed bills, debt repayments…
Assist consumers with budgeting
+Build a simple month‑by‑month household budget for Maria Ramos showing income, fixed bills, debt repayments and a two‑year projection that demonstrates how an extra £50 monthly payment shortens her mortgage term; include a one‑page explanation she can follow at home.
The tools that do the workMicrosoft ExcelESCOjob descriptionsO*NETWikipedia
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Analysing4
Educate individuals on credit
+Prepare a 10‑minute plain‑English session for Jamal Khan explaining how credit scores are calculated, the…
Educate individuals on credit
+Prepare a 10‑minute plain‑English session for Jamal Khan explaining how credit scores are calculated, the impact of missed payments, and three simple actions he can take in 60 days to improve his score; attach two example letters he can send to creditors.
The tools that do the workMicrosoft PowerPointMicrosoft WordESCOjob descriptionsWikipedia
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Advise on managing debt
+Draft a step‑by‑step plan for Priya Singh showing how to prioritise her five debts using interest, deadlines…
Advise on managing debt
+Draft a step‑by‑step plan for Priya Singh showing how to prioritise her five debts using interest, deadlines and hardship options, then propose a manageable repayment schedule and scripts to negotiate reduced payments with two creditors.
The tools that do the workMicrosoft ExcelMicrosoft Wordjob descriptionsO*NET
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Explain debt repayment options
+Write a clear comparison of four common debt repayment options for Thomas Lee—snowball, avalanche,…
Explain debt repayment options
+Write a clear comparison of four common debt repayment options for Thomas Lee—snowball, avalanche, consolidation, formal arrangement—showing typical timelines, costs, and the likely effect on his mortgage application so he can choose with his partner this weekend.
The tools that do the workMicrosoft WordO*NETWikipedia
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Assess clients' financial situations
+Create a concise financial intake checklist and a three‑sheet client file for Aisha Patel that captures…
Assess clients' financial situations
+Create a concise financial intake checklist and a three‑sheet client file for Aisha Patel that captures income, benefits, living costs, assets and all creditor details plus a one‑page affordability assessment and recommended next steps for review in next week’s appointment.
The tools that do the workMicrosoft ExcelMicrosoft Wordjob descriptionsO*NET
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The daily work14
Work with credit counseling agencies to support clients
+Coordinate with the three local credit counseling agencies to arrange joint case reviews for Maria Gonzalez…
Work with credit counseling agencies to support clients
+Coordinate with the three local credit counseling agencies to arrange joint case reviews for Maria Gonzalez and James Lee this week, send their recent credit reports and my assessment, request remediation options, and schedule follow-up calls with each agency by Friday.
The tools that do the workMicrosoft OutlookMicrosoft WordO*NETWikipedia
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Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
+Update client records for all active files: log yesterday’s payment receipts and the counseling notes from…
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
+Update client records for all active files: log yesterday’s payment receipts and the counseling notes from Susan Porter, attach scanned ID and lease documents, flag accounts with missed payments for review, and run a reconciliation of transactions through month-end.
The tools that do the workCooperative Processing Resources DMS ProfessionalMicrosoft ExcelO*NET
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Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
+Draft individualized housing action plans for four clients: outline income requirements, targeted rental or…
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
+Draft individualized housing action plans for four clients: outline income requirements, targeted rental or mortgage programs, timeline for application steps, documents needed, and three referral contacts, then save plans to each client file and email them the next-day checklist.
The tools that do the workMicrosoft WordMicrosoft OutlookO*NET
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Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
+Process scheduled disbursements for two clients: verify available client funds, confirm creditor invoices for…
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
+Process scheduled disbursements for two clients: verify available client funds, confirm creditor invoices for RentCo and UtilityWorks, create payment authorizations, record the payments in the client ledger, and notify clients and creditors of payment completion today.
The tools that do the workOracle PeopleSoftCooperative Processing Resources DMS ProfessionalO*NET
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Disburse funds from client accounts to creditors.
+Prepare disbursements from client housing accounts to creditors for this week: verify balances, list each…
Disburse funds from client accounts to creditors.
+Prepare disbursements from client housing accounts to creditors for this week: verify balances, list each creditor with amount and payment date, obtain required client approvals, and schedule the transfers so all creditors are paid by Friday.
The tools that do the workMicrosoft ExcelOracle PeopleSoftO*NET
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Explain loan types
+Create a 90-minute budgeting workshop for community attendees next Thursday: include a simple monthly budget…
Explain loan types
+Create a 90-minute budgeting workshop for community attendees next Thursday: include a simple monthly budget template, three interactive exercises on prioritising expenses, sample savings goals, and handouts to email in advance to attendees.
The tools that do the workMicrosoft PowerPointMicrosoft Exceljob descriptions
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Credit control processes
+Review outstanding tenant accounts, identify accounts overdue more than 60 days, prepare a priority…
Credit control processes
+Review outstanding tenant accounts, identify accounts overdue more than 60 days, prepare a priority collection list with current balances, last payment date and recommended next action, then send that list to Fiona in recoveries by Thursday for escalation approval.
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Debt systems
+Audit the housing debt ledger, reconcile discrepancies between debtor records and payment receipts, flag…
Debt systems
+Audit the housing debt ledger, reconcile discrepancies between debtor records and payment receipts, flag accounts with mismatched balances and provide a one-page summary of systemic errors and recommended fixes to Marcus in IT by Monday morning.
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Help find financial aid programs
+Find and list all local and national financial aid programs matching Maria Gomez's household size, income of…
Help find financial aid programs
+Find and list all local and national financial aid programs matching Maria Gomez's household size, income of 28,000 a year, two dependents and current rent arrears of 1,800, include eligibility rules, application deadlines and required documents, and flag programs offering emergency rent grants.
The tools that do the workChatjob descriptions
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Enter and process client data
+Enter Taylor Reed's intake form, contact details, income, liabilities and supporting documents into the…
Enter and process client data
+Enter Taylor Reed's intake form, contact details, income, liabilities and supporting documents into the client record, run the affordability and arrears fields, save validation errors, and generate the summary sheet for caseworker review.
The tools that do the workMicrosoft Accessjob descriptions
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Explore the best ways to repay debts
+Prepare a repayment options brief for Kwame Mensah showing snowball, avalanche and negotiated payment plan…
Explore the best ways to repay debts
+Prepare a repayment options brief for Kwame Mensah showing snowball, avalanche and negotiated payment plan scenarios based on his 7,200 unsecured debt, 15% interest and monthly disposable of 150, include time to clear, monthly cost and credit impact for each.
The tools that do the workMicrosoft ExcelWikipedia
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Ensure compliance with relevant regulations
+Audit five active housing cases for compliance: verify proof of income, benefit entitlement checks, tenancy…
Ensure compliance with relevant regulations
+Audit five active housing cases for compliance: verify proof of income, benefit entitlement checks, tenancy notices, right-to-rent checks and data-sharing consents, list any missing items and recommend corrective steps before next funding drawdown.
The tools that do the workOracle PeopleSoftWikipedia
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Ensure the credit quality
+Assess the credit quality of a referred applicant by reviewing their credit report, debt-to-income ratio,…
Ensure the credit quality
+Assess the credit quality of a referred applicant by reviewing their credit report, debt-to-income ratio, repayment history over 24 months, current arrears and any CCJs, then give a clear accept, accept with conditions or decline recommendation for housing support.
The tools that do the workCoreLogic DebtorTraceESCO
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Consult credit score
+Pull and interpret Jorge Silva's three-bureau credit scores, highlight any defaults or recent inquiries,…
Consult credit score
+Pull and interpret Jorge Silva's three-bureau credit scores, highlight any defaults or recent inquiries, explain how each issue affects his eligibility for tenancy, and write three practical steps he can take in the next 90 days to improve his score.
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Says who?
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Built on public evidence: O*NET®, ESCO, Wikipedia, U.S. Bureau of Labor Statistics, ILOSTAT. All sources & licenses
Built on public evidence: O*NET®, ESCO, Wikipedia, U.S. Bureau of Labor Statistics, ILOSTAT. All sources & licenses