# 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.

- **SOC code:** 13-2071.00
- **Canonical URL:** https://singulariki.com/roles/role-13-2071-00
- **Also known as:** Certified Consumer Credit and Housing Counselor, Certified Credit Counselor, Credit Counselor, Housing Counselor, Accredited Financial Counselor, Certified Credit Consultant, Certified Credit and Housing Counselor, Financial Health Counselor
- **Frame:** "AI exposure" means task overlap (how codifiable the work is), not jobs lost or a forecast. Every figure below is traced to a named public dataset.

## What this work is

**Core tasks** (O*NET):
- Calculate clients' available monthly income to meet debt obligations.
- Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
- 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 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 general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
- Disburse funds from client accounts to creditors.
- Interview clients by telephone or in person to gather financial information.
- Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
- Prepare written documents to establish contracts with or communicate financial recommendations to clients.
- Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.

## Skills, tools, capabilities

**Knowledge, skills & abilities** (O*NET, highest importance first):
- Customer and Personal Service _(knowledge)_
- Oral Expression _(ability)_
- English Language _(knowledge)_
- Speaking _(essential_skill)_
- Oral Comprehension _(ability)_
- Reading Comprehension _(essential_skill)_
- Active Listening _(essential_skill)_
- Written Comprehension _(ability)_
- Writing _(essential_skill)_
- Critical Thinking _(essential_skill)_
- Written Expression _(ability)_
- Problem Sensitivity _(ability)_

**Skills in demand:**
- English Language _(Common Skill)_
- Reading Comprehension _(Common Skill)_
- Active Listening _(Common Skill)_
- Writing _(Common Skill)_
- Inductive Reasoning _(Common Skill)_
- Deductive Reasoning _(Common Skill)_
- Critical Thinking _(Common Skill)_
- Mathematics _(Common Skill)_
- Active Learning _(Common Skill)_
- Microsoft Word _(Common Skill)_
- Microsoft PowerPoint _(Common Skill)_
- Microsoft Outlook _(Common Skill)_

**Tools & technology:**
- Microsoft Excel _(hot technology, in demand)_
- Microsoft Office software _(hot technology, in demand)_
- Microsoft Outlook _(hot technology, in demand)_
- Microsoft PowerPoint _(hot technology, in demand)_
- Microsoft Word _(hot technology, in demand)_
- Microsoft Access _(hot technology)_
- Oracle PeopleSoft _(hot technology)_
- SAP software _(hot technology)_
- Chat software
- Cooperative Processing Resources DMS Professional Suite
- CoreLogic DebtorTrace
- Email software

## AI exposure & outlook

- **AI task-overlap index:** 95th percentile (High) across all occupations — composite of current-era exposure studies (ai-exposure-index-v1).
- **Overall AI exposure (Felten et al.):** 95th percentile (High) — source: felten_aioe.
- **LLM task exposure, γ (OpenAI / Eloundou):** 90th percentile (High) — source: eloundou_gamma.
- **AI assistant applicability (Microsoft):** 86th percentile (High) — source: microsoft_applicability.
- **Frey–Osborne (2013, historical computerization estimate):** 22nd percentile — kept separate from current-era studies.
- **Remote-capable (Dingel–Neiman):** yes — task structure, not who actually works remote.
- **Projected employment (BLS 2024–34):** 3.3% growth (About average); 2.2k annual openings; 31.8k → 32.9k jobs.
- **Pay & employment (BLS OEWS, May 2024):** median $50,480; 28,110 employed.

## How people actually use AI here

Anthropic Economic Index — measured AI conversations mapped to this occupation's tasks:

- **Automation vs augmentation:** 24% automation, 72% augmentation (usage-weighted).
- **Autonomy median:** 3.0 (higher = AI acts more independently).
- **Dominant collaboration mode:** learning.

**Tasks most handed to AI here:**
- 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. _(7.7% of measured AI use; task iteration)_
- Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. _(7.5% of measured AI use; learning)_
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. _(5.4% of measured AI use; task iteration)_
- Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit. _(2.8% of measured AI use; learning)_
- Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy. _(2.0% of measured AI use; directive)_
- Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies. _(1.9% of measured AI use; learning)_
- Estimate time for debt repayment given amount of debt, interest rates, and available funds. _(0.9% of measured AI use; directive)_
- Prepare written documents to establish contracts with or communicate financial recommendations to clients. _(0.7% of measured AI use; task iteration)_

**Example prompts (honest phrasings of the tasks above — starting points, not endorsed instructions):**
- Help me 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.
- Help me explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
- Help me create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- Help me recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit.
- Help me teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy.

## Sources

- **O*NET** (30.3) — U.S. Department of Labor / National Center for O*NET Development. https://www.onetcenter.org/database.html
- **BLS Occupational Employment and Wage Statistics (OEWS)** (May 2024) — U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/
- **BLS Employment Projections** (2024–2034) — U.S. Bureau of Labor Statistics. https://www.bls.gov/emp/
- **Anthropic Economic Index** (v4 (2026-01-15) + v2 (2025-03-27)) — Anthropic. https://www.anthropic.com/economic-index
- **Microsoft “Working with AI”** (working-with-ai) — Microsoft Research. https://www.microsoft.com/en-us/research/
- **“GPTs are GPTs” (Eloundou et al.)** (arXiv 2303.10130) — OpenAI / academic. https://arxiv.org/abs/2303.10130
- **AI Occupational Exposure (AIOE)** (Felten, Raj & Seamans) — academic. https://github.com/AIOE-Data/AIOE
- **Frey & Osborne (2013)** (frey-osborne-automation) — academic. https://www.oxfordmartin.ox.ac.uk/publications/the-future-of-employment/
- **Dingel & Neiman (2020)** (dingel-neiman-workathome) — academic. https://github.com/jdingel/DingelNeiman-workathome

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_Generated from Singulariki's joined dataset; data snapshot 2026-06-02T21:00:32.945303+00:00. https://singulariki.com/roles/role-13-2071-00_