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How much do consumer credit counselor jobs pay per hour?

As of Aug 30, 2026, the average hourly pay for consumer credit counselor 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 does a consumer credit counselor do?

A Consumer Credit Counselor helps individuals manage their debt, improve their financial situation, and develop effective budgeting strategies. They assess clients' financial circumstances, provide advice on managing credit, and may negotiate with creditors on behalf of clients to arrange payment plans. These professionals also educate clients about responsible credit use and financial planning to prevent future financial difficulties.

What are the key skills and qualifications needed to thrive as a consumer credit counselor?

To thrive as a Consumer Credit Counselor, you need a solid understanding of personal finance, debt management, and credit laws, often supported by a relevant degree or certification such as AFCPE Accredited Financial Counselor. Familiarity with financial analysis software, budgeting tools, and customer relationship management (CRM) systems is typically required. Strong interpersonal skills, empathy, and effective communication help counselors build trust and guide clients through sensitive financial situations. These skills are important because they enable counselors to provide accurate advice, create actionable plans, and empower clients to achieve financial stability.

What are some of the common challenges consumer credit counselors face when working with clients?

Consumer Credit Counselors often encounter clients who are overwhelmed by debt and may be hesitant to share financial details or trust the process. Building rapport and communicating complex financial concepts in a clear, non-judgmental way is essential. Additionally, staying updated on changing credit regulations and debt management tools is important to provide effective guidance. Counselors also need to balance empathy with professionalism when helping clients set realistic goals and stick to their debt repayment plans.

What is the difference between Consumer Credit Counselor vs Debt Counselor?

AspectConsumer Credit CounselorDebt Counselor
CredentialsCertified Credit Counselor (NCC), CFPB certificationSimilar certifications, often overlapping with credit counseling
Work EnvironmentNon-profit agencies, financial institutions, government programsDebt management firms, non-profits, financial advisory services
Employer & IndustryFinancial education, credit repair, debt managementDebt resolution, debt settlement, financial counseling

Consumer Credit Counselors primarily focus on educating clients about credit, budgeting, and debt management, often working within non-profit or financial institutions. Debt Counselors may have similar roles but often emphasize debt resolution strategies like debt settlement. Both roles require similar certifications and work environments, but their primary focus differs slightly, with credit counselors emphasizing education and debt counselors focusing on debt reduction.

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. Many work for non-profit organizations, credit counseling agencies, or financial institutions, often with full-time schedules.

What do you need to be a consumer credit counselor?

To become a consumer credit counselor, individuals typically need a high school diploma or equivalent, strong communication and interpersonal skills, and relevant experience in finance or counseling. Many organizations prefer candidates with certifications such as the Certified Credit Counselor (CCC) or Accredited Financial Counselor (AFC). Some roles may require background checks and ongoing training to stay current with industry regulations and best practices.
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What states have the most Consumer Credit Counselor jobs?

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

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

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

What are popular job titles related to Consumer Credit Counselor jobs?

For Consumer Credit Counselor jobs, the most frequently searched job titles are:

Consumer Credit Counselor jobs near you
Infographic showing various Consumer Credit Counselor job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. 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

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 19 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