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Credit Counselors

Career Cluster

Human Services

Focuses on families and human needs. This field has careers in counseling, mental health, and community services. It can include personal care and consumer services.

Learn more about this cluster

At a glance

Recommended education
Recommended education
For this career, most jobs require this level of education. It may be possible to qualify for some jobs without this level of education. Recommendation provided by the U.S. Department of Labor.
Bachelor's Degree
Projected growth
Projected growth

This is the expected change in employment for this career in the selected county or state. For example, if a career is expected to double from 100 jobs to 200 jobs, this would show 100%. Due to how projected growth is reported, similar careers may show the same percentage.

These numbers represent the latest 10-year projection period (2018-2028). Data is provided by the Texas Workforce Commission.

N/AN/A

Expected pay range

Expected pay range

This represents the median earnings for this career in the selected county or state. In the range shown, 25% of workers earned less than the bottom salary and 25% earned more than the top salary. Data is provided by the Texas Workforce Commission.

Monthly cost of living

These numbers give you an idea of how much you can spend each month on common expenses with this salary. Percentages are the average a person with no children spends according to data collected by the Bureau of Labor Statistics. These numbers are a starting point and will differ person to person.

Monthly income (before taxes)
N/A
Housing (33%)
Housing
This represents the average percentage of monthly income spent on rent or mortgage, utilities, home or renters insurance, and home improvements. Data is provided by the Bureau of Labor Statistics.
N/A
Transportation (17%)
Transportation
This represents the average percentage of monthly income spent on car payments, auto insurance, public transportation, and ride shares, Data is provided by the Bureau of Labor Statistics.
N/A
Food (13%)
Food
This represents the average percentage of monthly income spent on groceries and preparing meals at home. Data is provided by the Bureau of Labor Statistics.
N/A
Savings and retirement (12%)
Savings and retirement
This represents the average percentage of monthly income spent on 401(k), emergency funds, and life insurance. Data is provided by the Bureau of Labor Statistics.
N/A
Education and loans (10%)
Education and loans
This represents the average percentage of monthly income spent on continuing education and student loan debt. Data is provided by the Bureau of Labor Statistics. Use the federal student loan estimator to estimate loan payments.
N/A
Healthcare and wellness (8%)
Healthcare and wellness
This represents the average percentage of monthly income spent on health insurance, co-pays, fitness memberships, and supplements. Data is provided by the Bureau of Labor Statistics.
N/A
Entertainment (5%)
Entertainment
This represents the average percentage of monthly income spent on shopping, dining out, and leisure activities. Data is provided by the Bureau of Labor Statistics.
N/A
Other expenses (2%)
Other expenses
This represents the average percentage of monthly income spent on clothing, personal care, and services. Data is provided by the Bureau of Labor Statistics.
N/A

Your actual expenses may differ from those listed. You’ll need to account for the amount taken out in taxes each month. Learn more about income tax expenses. Your student loan payments may also differ. To calculate your student loan payments, use the federal student loan repayment estimator.

About credit counselors

Find programs for this career
What they do

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.

Other titles

Accredited Financial Counselor, Certified Consumer Credit and Housing Counselor, Certified Credit and Housing Counselor, Certified Credit Consultant, Certified Credit Counselor, Credit Counselor, Financial Health Counselor, Housing Counselor, Personal Finance Counselor

Skills they need

  • Speaking - Talking to others to convey information effectively.
  • Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
  • Reading Comprehension - Understanding written sentences and paragraphs in work-related documents.
  • Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
  • Writing - Communicating effectively in writing as appropriate for the needs of the audience.
  • Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.
  • Service Orientation - Actively looking for ways to help people.
  • Complex Problem Solving - Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
  • Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
  • Persuasion - Persuading others to change their minds or behavior.
  • Negotiation - Bringing others together and trying to reconcile differences.
  • Coordination - Adjusting actions in relation to others' actions.

Licenses and Certifications they may hold

How to decide which one is right? That depends on an individual’s career path, specialty, and resources.

Certifications

Certifications may be available for this career and can help build knowledge and skills in specific job roles. Explore available certifications

Similar careers

View careers in the same field as credit counselors.

Eligibility Interviewers, Government Programs
In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, social security, and public housing.

Learn more
Financial Managers
In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Plan, direct, or coordinate accounting, investing, banking, insurance, securities, and other financial activities of a branch, office, or department of an establishment.

Learn more
Personal Financial Advisors
In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.

Learn more
Credit Authorizers, Checkers, and Clerks
In demand

In demand careers have high-growth, high-demand, and emerging jobs critical to Texas. They are based on economic indicators like in demand industries, labor market trends, and economic conditions, provided by the Texas Workforce Commission.

Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.

Learn more