13-2071.00

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.

1.8OUT OF 10SAFEHIGH RISK
Low Risk

You're basically automation-proof

Safer than 13% of occupations we track

Frey & Osborne (2013) estimated 4% probability of automation for this role
paper →
13%
of jobs safer
885
jobs riskier than this
+3.3%
projected growth

Disruption Vector

Disruption Type

Software & AI

AI software systems—language models, automation tools, and intelligent algorithms—are the primary vector of disruption for this role.

Credit Counselors guide individuals through debt management and financial planning — work that requires empathy, trust-building, and navigating complex personal circumstances that AI chatbots struggle to fully replicate. Platforms like Tally and AI-driven budgeting tools are automating parts of the financial advice pipeline, but certified credit counseling for serious debt situations retains a human element. Demand may actually increase through 2027 as economic stress drives more people to seek counseling.

Disrupted byGitHub CopilotChatGPT / GPT-4oSalesforce Einstein

Salary & Job Outlook

Median Annual Pay
$50,480
US Bureau of Labor Statistics
10-Year Job Growth
+3.3%
As fast as average
Education Required
Bachelor's degree
Job Zone 4 / 5

AI Risk Timeline

1.8
2.1
2.4
3.0
Today
5 Years
10 Years
20 Years

Projection model: Based on current AI capability growth rates. High-risk occupations are projected to see compounding automation pressure, while human-centric roles show slower risk accumulation. These are statistical projections, not guarantees.

Skills Analysis — AI Vulnerability

AI can replicate (0)
AI-resistant (1)
Mixed
Critical Thinking80%
Active Learning75%
Complex Problem Solving78%
Judgment and Decision Making82%
Reading Comprehension72%

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Credit Counselors

1.8
/ 10
Low Risk
18% automation risk

"Congrats — you are delightfully robot-proof. Go touch some grass."

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CREDIT COUNSELORS
1.8

/ 10

LOW RISK

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You're safer than 13% of all knowledge workers we track.

This analysis is for informational purposes only and is based on statistical models and academic research. It does not constitute career advice and is not a guarantee of future employment outcomes. AI impact varies significantly by employer, region, and individual circumstances. Learn about our methodology →