Credit Counselors earn $52,230 nationally at the median. The middle 50% of workers fall between $45,720 and $64,080. Where you land depends on specialization, employer, and experience.
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.
Also known as:
Credit Counselors earn $52,230 nationally, below average for bachelor's degree holders. The middle 50% of earners fall between $45,720 and $64,080. Actual pay varies by employer, specialization, and location.
Below average for bachelor's degree holders.
25th to 75th percentile. Most workers earn within this band.
O*NET data identifies 5 core activities and 5 measurable skills for Credit Counselors roles. Use this section to judge whether the day-to-day reality aligns with what you actually want to spend time doing.
Success depends on precision and structured processes, where detail-oriented people who work consistently within established systems perform best.
Working closely with people, teaching, advising, or helping others navigate challenges is a defining feature of this career's daily work.
Leadership, influence, and business acumen are rewarded here, where managing teams, driving decisions, or persuading others shapes career outcomes.
What the physical and mental conditions of this job actually look like day to day, based on O*NET Work Context data collected from people working in this occupation.
Split between indoor and outdoor or field settings.
Mix of sitting and movement throughout the day.
Moderate pressure. Regular deadlines exist but are generally manageable with experience.
The BLS projects +3.3% employment change for Credit Counselors through 2034, below the national average of +5%. About 2,200 openings per year keep the field accessible to new entrants.
About as fast as average.
New positions plus replacements for retirees and career-changers.
Total US employment as of BLS May 2024.
Source: BLS Employment Projections 2024–2034 and Occupational Employment and Wage Statistics May 2024.
The five states below employ the most Credit Counselors professionals nationwide. State-level wages can differ significantly from the $52,230 national median. Research your specific market before committing to a program.
| # | State | Jobs | Median Wage | vs. National |
|---|---|---|---|---|
| 1 | Texas | 3,530 | $46,910 | -10.2% |
| 2 | Florida | 2,760 | $48,340 | -7.4% |
| 3 | California | 2,160 | $65,820 | +26.0% |
| 4 | New York | 1,760 | $62,090 | +18.9% |
| 5 | Illinois | 1,490 | $51,160 | -2.0% |
Source: BLS Occupational Employment and Wage Statistics, May 2024. Employment figures rounded. Read our methodology →
Most Credit Counselors positions require a bachelor's degree to qualify. The program below is the most common academic pathways into this field, ranked by how many graduates they produce each year.
These positions typically require a bachelor's degree and several years of related experience before advancing into senior roles.
| # | Program | Graduates/yr | 4yr Median | Colleges |
|---|---|---|---|---|
| 1 | Finance | 58,013 | $83,343 | 949 |
Colleges offering the degree programs that lead to this career, ranked by UCD Score. A strong program plus solid outcomes is a good place to begin your search.
| # | College | UCD Score | Net Price | Salary 10yr |
|---|---|---|---|---|
| 1 | CUNY Bernard M Baruch College New York, NY | 93 | $3,033 | $75,971 |
| 2 | University of Florida Gainesville, FL | 93 | $6,541 | $71,588 |
| 3 | University of Chicago Chicago, IL | 91 | $14,860 | $91,885 |
| 4 | Vanderbilt University Nashville, TN | 90 | $15,846 | $91,565 |
| 5 | University of Central Florida Orlando, FL | 90 | $10,411 | $58,308 |
| 6 | Florida State University Tallahassee, FL | 90 | $11,297 | $61,675 |
Once you've sized up Credit Counselors, these tools turn the numbers into a plan. Estimate the real cost of a degree that leads here, weigh the long-term payoff, compare specific colleges side-by-side, and find programs that match your profile.
See if the degree that leads to Credit Counselors pays off. Weighs each college's cost against the earnings graduates see.
Enter a budget and see the colleges whose net price fits, with the out-of-pocket cost and likely loan load for each.
Put any 2–4 colleges side-by-side. Admissions, cost, outcomes, and earnings, all on one screen, no tab-hopping.
Answer six quick questions and see your best-fit colleges ranked by budget, field of study, and what matters most to you.
The data on Credit Counselors shows 0 measurable strengths and 2 real trade-offs. All points are drawn from BLS wage data, employment projections, and IPEDS program completions.
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