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Debt Counselor Jobs (NOW HIRING)

The AFX Group

Financial Counselor

Bexar, TX · On-site

$59K - $61K/yr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

New

Temple Health

Financial Counselor

Philadelphia, PA · On-site

$19.25 - $25/hr

Provides financial, credit, debt management counseling and education services to patients. Utilizes alternative means for obtaining coverage for uninsured or underinsured patients. Responsible for ...

Infopact, Inc.

Financial Counselor

Wainwright, AK · On-site

$33.44/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Drum, NY · On-site

$29.57/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Myer, VA · On-site

$33.84/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Anchorage, AK · On-site

$33.44/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Polk, LA · On-site

$29.57/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Huachuca, AZ · On-site

$30.14/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Petersburg, VA · On-site

$30.89/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Irwin, CA · On-site

$34.48/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

City of Atlanta

Debt Manager

Atlanta, GA · On-site

$73K - $97K/yr

... counsel, and any other pertinent entities associated with the City's debt program Maintain compliance with federal tax laws and support arbitrage rebate calculations Maintain records per records ...

Infopact, Inc.

Financial Counselor

Fort Campbell, KY · On-site

$29.57/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Novosel, AL · On-site

$29.57/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Belvoir, VA · On-site

$33.84/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Eustis, VA · On-site

$30.14/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Infopact, Inc.

Financial Counselor

Fort Jackson, SC · On-site

$29.57/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

Horizon Strategies LLC

Financial Counselor

Tacoma, WA · On-site

$33.24/hr

Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings ... Document counseling, instruction, assessments, referrals, and completion status accurately and on ...

New

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Debt Counselor information

See salary details

$13

$19

$30

How much do debt counselor jobs pay per hour?

As of Sep 5, 2026, the average hourly pay for debt counselor in the United States is $19.94, according to ZipRecruiter salary data. Most workers in this role earn between $15.00 and $25.72 per hour, depending on experience, location, and employer.

What is a debt counselor?

A debt counselor is responsible for working with people that have taken on too much consumer debt. As a certified financial professional, you specialize in helping people resolve difficult debt issues and work toward financial recovery. You can work as part of a financial organization or own your own freelance debt consulting business. Your job duties include reviewing credit reports to identify debt issues, working with consumer credit agencies to find solutions, and coaching clients through the financial recovery process.

What are the key skills and qualifications needed to thrive as a debt counselor, and why are they important?

To thrive as a Debt Counselor, you need strong knowledge of personal finance, debt management principles, and typically a relevant certification such as Certified Credit Counselor or Accredited Financial Counselor. Familiarity with budgeting software, credit reporting systems, and debt management platforms is important for analyzing client situations and creating effective plans. Excellent interpersonal skills, active listening, and the ability to communicate complex information clearly help build trust and motivate clients. These skills and qualities are crucial for guiding clients toward financial stability and ensuring successful debt resolution.

What are some common challenges debt counselors face when helping clients, and how do they address them?

Debt counselors often encounter clients who are overwhelmed or anxious about their financial situation, which can make initial conversations challenging. Additionally, clients may be reluctant to share all relevant information or may have unrealistic expectations about how quickly debt can be resolved. To address these challenges, debt counselors use strong communication and empathy skills to build trust, provide clear explanations of available options, and set realistic goals. They also stay updated on regulations and resources to offer clients the most effective solutions.

What is the difference between Debt Counselor vs Credit Counselor?

AspectDebt CounselorCredit Counselor
CredentialsOften requires certification such as Certified Debt SpecialistTypically requires certification like Certified Credit Counselor
Work EnvironmentWorks with clients facing debt issues, often in non-profit or financial institutionsProvides financial education and debt management advice, usually in non-profit agencies
Employer & IndustryFinancial services, non-profits, credit counseling agenciesNon-profit credit counseling agencies, financial education organizations

Debt Counselors and Credit Counselors both assist individuals with financial challenges, often requiring similar certifications. While Debt Counselors focus more on debt management plans, Credit Counselors emphasize financial education and budgeting. Both roles are vital in helping clients improve their financial health, often working in similar environments and industries.

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Debt Counselor jobs near you
Infographic showing various Debt Counselor job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, 1% Temporary, and 1% Contract. Highlights an 86% Physical, 3% Hybrid, and 11% Remote job distribution, with an average salary of $41,470 per year, or $19.9 per hour.

Financial Counselor

The AFX Group

Bexar, TX • On-site

$59K - $61K/yr

Other

Retirement

Posted 3 days ago

New

Key responsibilities

  • Deliver individual financial counseling and group instruction using approved Army and DoD financial readiness curriculum and guidance.

  • Assess client financial readiness, identify risk indicators, and help develop practical transition budgets and post-separation financial plans.

  • Document counseling, instruction, assessments, referrals, and completion status accurately and on time in the designated system of record.

Job description

VACANCY ANNOUNCEMENT

Financial Counselor – FULL-TIME (Onsite)

LOCATION: JBSA Fort Sam Houston, TX

The AFX Group is accepting resumes for a Full-Time Financial Counselor. This position is designated as a Service Contract Act position.  The Financial Counselor’s primary role is to provide certified financial counseling and instruction to Service members and eligible clients throughout the military-to-civilian transition process. The Financial Counselor helps clients understand their current financial condition, identify risk, develop realistic post-transition financial plans, and make informed decisions regarding income, expenses, credit, debt, taxes, insurance, benefits, and long-term financial readiness.


KEY RESPONSIBILITIES

  • Deliver individual financial counseling and group instruction using approved Army and DoD financial readiness curriculum and guidance.
  • Assess client financial readiness, identify risk indicators, and help develop practical transition budgets and post-separation financial plans.
  • Educate clients on cash flow, debt management, credit, taxes, insurance, emergency savings, retirement, benefits, and changes in military compensation.
  • Explain financial considerations associated with employment, education, relocation, housing, health care, and family transitions.
  • Provide feedback on required financial plans and supporting documentation in accordance with TAP and Career Readiness Standards.
  • Refer clients to appropriate military, Government, nonprofit, and community financial resources when needs exceed the scope of the role.
  • Document counseling, instruction, assessments, referrals, and completion status accurately and on time in the designated system of record.
  • Coordinate with Transition Counselors, CIMs, installation personnel, and partner organizations to ensure integrated support and continuity of care.
  • Support virtual, in-person, mobile, and surge delivery based on regional workload and client demand.
  • Maintain professional credentials and complete all required training, quality reviews, and continuing education.

MINIMUM QUALIFICATIONS

  • Bachelor’s degree from an accredited institution.
  • A current nationally recognized financial counseling, planning, coaching, or education certification appropriate to the work.
  • At least three years of experience providing financial counseling or advising individuals on financial benefits, resources, budgeting, debt, credit, taxes, or life-cycle financial planning.
  • Knowledge of financial readiness fundamentals and financial considerations affecting Service members and families during transition.
  • Ability to deliver effective individual counseling and group instruction in both in-person and virtual environments.
  • Strong judgment, communication, documentation, confidentiality, and customer service skills.
  • Ability to obtain and maintain required Government suitability, installation access, Common Access Card, and system access.


PREFERRED QUALIFICATIONS

  • AFC®, CFP®, ChFC®, CPA, or another nationally recognized credential relevant to financial counseling or planning.
  • Experience supporting military financial readiness, personal financial management, transition assistance, veterans, or military families.
  • Knowledge of military compensation, retirement, survivor benefits, VA benefits, education benefits, and post-service financial planning.

ADDITIONAL REQUIREMENTS AND WORKING CONDITIONS

  • May be assigned as a shared regional or enterprise specialist and provide synchronous virtual services across multiple installations and time zones.
  • Must maintain all professional certification and continuing-education requirements throughout employment.

EOE/Vet/Disabled