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Consumer Credit Counseling Jobs (NOW HIRING)

Credit One Bank

Senior Counsel - Litigation

Las Vegas, NV

$134K - $183K/yr

Position Summary The Senior Counsel position will report to the EVP and General Counsel, and will ... credit card bank. Summary of Essential Job Functions Consumer Financial Services Litigation

Credit One Bank

Senior Counsel - Litigation

Las Vegas, NV · On-site

$134K - $183K/yr

Description Position Summary The Senior Counsel position will report to the EVP and General Counsel ... credit card bank. Summary of Essential Job Functions Consumer Financial Services Litigation

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How much do consumer credit counseling jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for consumer credit counseling in the United States is $20.00, according to ZipRecruiter salary data. Most workers in this role earn between $19.95 and $19.95 per hour, depending on experience, location, and employer.

What is a consumer credit counseling?

A Consumer Credit Counseling job involves helping individuals manage their debt, improve their credit, and create financial plans. Counselors assess clients' financial situations, provide budgeting advice, and may negotiate with creditors to establish repayment plans. They often work for nonprofit organizations, financial institutions, or government agencies. Their goal is to educate clients on responsible financial practices and help them regain financial stability.

What are some typical challenges faced by consumer credit counselors and how do they overcome them?

Consumer credit counselors often work with clients who are experiencing significant financial stress, which can make conversations emotional or difficult. Successfully navigating these challenges requires strong listening skills, empathy, and the ability to remain objective while providing actionable advice. Counselors may also encounter complex debt situations that require creative problem-solving and in-depth knowledge of financial tools and resources. Overcoming these challenges often relies on ongoing professional development and collaboration with colleagues or related agencies to stay informed on the latest industry trends and regulations.

What are the key skills and qualifications needed to thrive in the consumer credit counseling position, and why are they important?

To thrive in Consumer Credit Counseling, you need a solid understanding of personal finance, credit management, and debt reduction strategies, usually supported by relevant certifications such as Certified Credit Counselor (CCC). Familiarity with financial software, budgeting tools, and secure client management systems is typically required. Strong interpersonal communication, problem-solving abilities, and a nonjudgmental attitude are key soft skills that distinguish top performers. These skills are crucial for effectively guiding clients through sensitive financial challenges and fostering client trust and positive outcomes.

How much do consumer credit counselors make?

Consumer credit counselors typically earn a median annual salary of around $40,000 to $50,000, depending on experience, location, and employer. Salaries can increase with certifications such as Certified Credit Counselor and experience in financial counseling or related fields.

What certification do you need to be a consumer credit counselor?

To become a consumer credit counselor, professionals often pursue certifications such as the Certified Credit Counselor (CCC) from the National Foundation for Credit Counseling (NFCC) or the Accredited Financial Counselor (AFC). These certifications typically require relevant training, experience in financial counseling, and passing an exam. While not always mandatory, certification enhances credibility and job prospects in the field.

What is the role of a consumer credit counselor?

A consumer credit counselor helps individuals manage their debt and improve their financial health by providing budgeting advice, debt management plans, and financial education. They often work for nonprofit agencies and may hold certifications such as Certified Credit Counselor (CCC) or Accredited Financial Counselor (AFC).
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Cities with the most Consumer Credit Counseling job openings:

What states have the most Consumer Credit Counseling jobs?

States with the most job openings for Consumer Credit Counseling jobs include:

What job categories do people searching Consumer Credit Counseling jobs look for?

The top searched job categories for Consumer Credit Counseling jobs are:

Consumer Credit Counseling jobs near you
Infographic showing various Consumer Credit Counseling job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $41,590 per year, or $20 per hour.

Credit Counselor

American Consumer Credit Counseling

Newton, MA • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 5 days ago

Job description

American Consumer Credit Counseling is a leading nonprofit agency dedicated to helping individuals and families achieve financial wellness through confidential counseling, debt management programs, and educational resources. With nationwide service delivered online and by phone, our mission is to empower clients to take control of their financial futures.
As a Credit Counselor, you will play a pivotal role in guiding clients toward improved financial health. You will provide personalized support and actionable solutions to help clients manage debt and build better financial habits.
Key responsibilities include:
  • Natural ability to build trust and rapport with clients from various backgrounds.
  • Be empathetic, a good listener, and comfortable having sensitive conversations about personal finances.
  • Ability to connect with people, understand their challenges, and guide them with compassion and clarity toward financial solutions.
  • Answer incoming calls from individuals seeking financial education or credit counseling support.
  • Conduct one-on-one credit counseling sessions with clients via phone by reviewing their budgets and providing personalized recommendations on financial solutions, including debt management programs, bankruptcy options, credit remediation, collections, and credit reporting issues.
  • Deliver financial education, create client budgets, and assist with the enrollment process into ACCC programs.
  • Process consumer applications by accurately entering client information and budget details into internal systems and affiliate databases.
  • Follow up with prospective clients to encourage them to begin or continue the counseling process.
  • Enroll qualified clients into appropriate debt consolidation or financial assistance programs.
  • Verify client-provided information using internal databases and approved information sources to ensure accuracy and compliance.
  • Assess client budgets, income, and debt obligations to identify opportunities for improvement
  • Educate clients on credit reports, credit scores, and strategies for maintaining healthy financial habits
  • Recommend tailored debt management plans and repayment strategies
  • Document client interactions and maintain accurate, confidential records

Requirements
Required Qualifications
  • High School Diploma or equivalent, Associates or Bachelors preferred
  • 1-2 years of experience in credit counseling, financial coaching, or debt management
  • Specialized Knowledge, Licenses, Certifications-NFCC Credit Counselor Certification (to be obtained within the first six months of employment)
  • Experience analyzing client budgets, income, and debt to create actionable repayment plans
  • Experience providing one-on-one counseling or coaching to clients in a confidential setting (phone and/or online)
  • Day-to-day proficiency with Microsoft Excel and Outlook
  • Authorized to work in the United States
  • Availability to work Mon-Thu 2:00-10:00 PM ET and Fri 12:00-8:00 PM ET

Physical Requirements
    • Prolonged sitting at a desk and working on a computer (up to 8+ hours/day)
    • Talking on the phone for extended periods of time
    • Frequent use of hands/fingers for typing and operating a keyboard, mouse, and phone
    • Ability to wear a headset for extended periods
    • Vision sufficient to read computer screens and documents
    • Hearing sufficient to understand customer conversations via phone
    • Occasional walking or standing, depending on office layout or home setup
    • Lifting up to 10-15 lbs., such as small office supplies or materials (optional; depends on setting)
Preferred Qualifications
  • Knowledge of credit reports, credit scoring, and consumer lending
  • Experience educating clients on credit reports, scores, and healthy financial habits
  • Experience recommending debt management plans and repayment strategies
  • Spanish language proficiency
  • Availability to work one Saturday per month

Working Conditions
  • Lifting & Physical Requirements: Employees may need to sit or stand for extended periods during the workday. The role may require occasional reaching, bending, or lifting of materials up to 15 pounds. Proper ergonomics and workspace setup are encouraged to ensure comfort and safety.
  • Work Environment: A quiet, dedicated workspace is required, free from distractions, to effectively perform job duties. Employees must maintain a professional environment for virtual meetings and client calls. Reliable internet access and a functional computer or device are essential for performing job functions.
  • Equipment and Tools: The company provides all necessary equipment, including a computer, phone, headset, and other tools required to perform job duties remotely. Employees are responsible for maintaining a reliable high speed internet connection to ensure smooth performance of job functions.
  • Work Schedule and Availability: Employees must adhere to their designated work hours and be available for scheduled meetings, calls, and tasks, unless time off or schedule adjustments have been approved in advance. Employees are also responsible for keeping their schedule up to date and notifying their supervisor of any changes to their working hours.

Benefits
  • Competitive hourly compensation of $21-$23 plus bonus opportunities
  • Comprehensive health insurance including medical, dental, and vision coverage
  • Medical and dependent Flexible Spending Account (FSA)
  • Short-Term and Long-Term Disability; Life Insurance
  • 401(k) retirement plan with company matching
  • Paid time off and paid holidays
  • Remote work flexibility
  • Professional development and training opportunities
  • Supportive team environment and mission-driven culture

Apply