medium risk

Credit Counselors

Also known as: Assistant Director for Financial Literacy, Branch Credit Counselor, Certified Consumer Credit and Housing Counselor, Certified Credit Counselor, Certified Personal Finance Counselor, Collections Representative, Consumer Credit Counselor, Counseling Program Leader, Counselor, Credit Balance Specialist

Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explaining loan requirements or restrictions. May help develop debt management plans, advise on credit issues, or provide budget, mortgage, and bankruptcy counseling.

Higher risk than 50% of occupations

AI Impact Summary

Credit Counselors faces moderate AI displacement risk with a score of 37/100. This occupation has higher AI displacement risk than 50% of all analyzed occupations. Of 23 analyzed tasks, 7 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.

Skill Impact Analysis

AI-Vulnerable

AI-Resistant

AI-Augmented

AI-Vulnerable

Reading Comprehension10%

High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Mathematics10%

High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.

AI-Resistant

Complex Problem Solving75%

Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.

Persuasion80%

Persuasion is AI-resistant — strengthening this skill provides durable career protection.

+14 more skills

Education & Training

Percentage of workers at each education and training level

Education Level

High School Diploma19%

Some College6%

Post-Secondary Certificate13%

Associate's Degree19%

Bachelor's Degree42%

Prior Experience Needed

Work experience required to enter this job

None31%

Up to 1 month3%

3-6 months3%

6 months - 1 year9%

1-2 years38%

2-4 years6%

4-6 years6%

8-10 years3%

Training Provided After Hiring

How long it typically takes to learn on the job

Up to 1 month16%

1-3 months31%

3-6 months19%

6 months - 1 year28%

1-2 years3%

2-4 years3%

How AI Impacts Each Task

23 tasks analyzed

Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.

Risk: 55.0%AI: 70Time: 7%

Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.

Risk: 53.0%AI: 65Time: 8%

Calculate clients' available monthly income to meet debt obligations.

Risk: 85.2%AI: 90Time: 4%

Interview clients by telephone or in person to gather financial information.

Risk: 27.0%AI: 30Time: 8%

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.

Risk: 47.0%AI: 50Time: 6%

Task	AI Capability	Risk	Time %
Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.	70	55.0%	7%
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.	65	53.0%	8%
Calculate clients' available monthly income to meet debt obligations.	90	85.2%	4%
Interview clients by telephone or in person to gather financial information.	30	27.0%	8%
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.	50	47.0%	6%

Protective Factors

Total protective discount: 22.9%

Essential Soft Skills

Traits that are hard for AI to replicate

IntegrityConcern for OthersSelf ControlDependabilityAttention to DetailCooperationStress ToleranceAdaptability/FlexibilitySocial OrientationAchievement/EffortAnalytical ThinkingInitiative