Credit Counseling Certification and Certificate Programs

Credit counseling certificate programs provide working financial professionals with a better understanding of how to help clients negotiate debt and improve credit. They may acquire certification upon completing the program and training.

Essential Information

Many programs are offered through workshops, on-site classes or self-study sequences and award a certificate upon completion. Topics covered include bankruptcy regulations, budgeting strategies, and credit law. Some programs are offered entirely online through colleges, universities, or private professional organizations.


Credit Counseling Certificate

Certificate program and training courses provide aspiring credit counselors with the knowledge and tools to help customers manage various kinds of credit. Topics covered throughout a curriculum may include:

  • Credit counseling techniques
  • Personal finance
  • Budgeting
  • Credit laws and regulations
  • Bankruptcy

Employment Outlook and Salary Information

While little employment data is available for credit counselors, job growth in the closely related area of personal financial advising is expected to increase at a much faster-than-average rate of 30% from 2014-2024, according to the U.S. Bureau of Labor Statistics (BLS, www.bls.gov). The BLS also published that the median annual salary earned by credit counselors was $43,840 as of May 2015.

Certification and Continuing Education

Most credit counseling certification organizations require candidates to complete a corresponding training program and exam in order to be awarded certification. Continuing education may be needed in order to maintain or renew certification. The National Association of Certified Credit Counselors and the Association for Financial Counseling and Planning Education both provide continuing education programs for credit counseling certification.

A certificate program in credit counseling equips prospective credit counselors with financial strategies and knowledge on topics such as credit laws and regulations, personal finance, and bankruptcy. Graduates gain credit counseling techniques that prepare them for certification from different credit and financial counseling organizations.

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