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Date: 11/18/2025

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.

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    Work Activities

    Work Activities

    • Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
    • Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
    • Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
    • Disburse funds from client accounts to creditors.
    • Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
    • Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
    • Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
    • Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
    • Interview clients by telephone or in person to gather financial information.
    • Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
    • Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
    • Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
    • Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
    • Prepare written documents to establish contracts with or communicate financial recommendations to clients.
    • 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.
    • Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.
    • Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.
    • Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
    • Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
    • 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 services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
    • Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
    • Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
    • Calculate clients' available monthly income to meet debt obligations.

    Skills

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Management of Material Resources

      Managing equipment and materials.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Operation and Control

      Using equipment or systems.

    • Time Management

      Managing your time and the time of other people.

    • Reading Comprehension

      Reading work-related information.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Social Perceptiveness

      Understanding people's reactions.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Speaking

      Talking to others.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Coordination

      Changing what is done based on other people's actions.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Instructing

      Teaching people how to do something.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Service Orientation

      Looking for ways to help people.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Writing

      Writing things for co-workers or customers.

    • Technology Design

      Making equipment and technology useful for customers.

    • Repairing

      Repairing machines or systems using the right tools.

    • Mathematics

      Using math to solve problems.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Programming

      Writing computer programs.

    • Science

      Using scientific rules and strategies to solve problems.

    • Negotiation

      Bringing people together to solve differences.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    4

    Abilities

    • Flexibility of Closure

      Seeing hidden patterns.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Written Expression

      Communicating by writing.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Problem Sensitivity

      Noticing when problems happen.

    • Deductive Reasoning

      Using rules to solve problems.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Far Vision

      Seeing details that are far away.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Spatial Orientation

      Knowing where things are around you.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Oral Comprehension

      Listening and understanding what people say.

    • Trunk Strength

      Using your lower back and stomach.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Time Sharing

      Doing two or more things at the same time.

    • Originality

      Creating new and original ideas.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Information Ordering

      Ordering or arranging things.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Written Comprehension

      Reading and understanding what is written.

    • Speech Clarity

      Speaking clearly.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Category Flexibility

      Grouping things in different ways.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Selective Attention

      Paying attention to something without being distracted.

    • Oral Expression

      Communicating by speaking.

    • Near Vision

      Seeing details up close.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Speech Recognition

      Recognizing spoken words.

    • Night Vision

      Seeing at night or under low light.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Manual Dexterity

      Holding or moving items with your hands.

    Knowledge

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 52470/yr
    • Typical Salary
    • Ohio Hourly Wage 25.23/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 770
    • Yearly Projected Openings 50

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Integrity
    • Dependability
    • Concern for Others
    • Attention to Detail
    • Self Control
    • Cooperation

    Tools

    • Inkjet printers
    • Laser fax machine
    • Laser printers
    • Notebook computers
    • Personal computers
    • Scientific calculator
    • Special purpose telephones

    Technology

    • Data base user interface and query software
    • Electronic mail software
    • Enterprise resource planning ERP software
    • Financial analysis software
    • Information retrieval or search software
    • Internet browser software
    • Network conferencing software
    • Office suite software
    • Presentation software
    • Spreadsheet software
    • Word processing software
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