Credit Counselors
SOC: 13-2071.00 · Job Zone 4 (Considerable preparation)
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.
AI Impact Summary
Credit Counselors faces moderate AI displacement risk with a score of 37/100. Significant displacement is estimated between 2041 and 2051. Of 23 analyzed tasks, 7 are highly automatable, particularly in routine_cognitive. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Protective Factors
Total protective discount: 22.9%
Skill Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Information Ordering is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (7)
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Instructing is AI-resistant — strengthening this skill provides durable career protection.
Manual Dexterity is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (5)
Recommendations
Skills to Develop
These skills are at risk from AI automation. Credit Counselors professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
Information Ordering is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
- Negotiation
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
- Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
- Coordination
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Systems Analysis
Systems Analysis will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Task Breakdown
23 tasks analyzed
Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
Calculate clients' available monthly income to meet debt obligations.
Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
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.
Interview clients by telephone or in person to gather financial information.
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
Prepare written documents to establish contracts with or communicate financial recommendations to clients.
Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies.
Disburse funds from client accounts to creditors.
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
Estimate time for debt repayment given amount of debt, interest rates, and available funds.
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or to set up payment plans.
Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit.
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy.
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
| Task | Category | AI Capability | Risk Score | Time % |
|---|---|---|---|---|
| Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information. | Non-Routine Analytical | 70 | 55.0 | 7% |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | Non-Routine Analytical | 65 | 53.0 | 8% |
| Calculate clients' available monthly income to meet debt obligations. | Routine Cognitive | 90 | 85.2 | 4% |
| Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first. | Non-Routine Analytical | 60 | 51.0 | 4% |
| 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. | Non-Routine Analytical | 50 | 47.0 | 6% |
| Interview clients by telephone or in person to gather financial information. | Non-Routine Interpersonal | 30 | 27.0 | 8% |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | Non-Routine Interpersonal | 40 | 31.0 | 5% |
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | Non-Routine Interpersonal | 20 | 23.0 | 4% |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | Routine Cognitive | 90 | 85.2 | 4% |
| Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies. | Non-Routine Interpersonal | 40 | 31.0 | 5% |
| Disburse funds from client accounts to creditors. | Routine Cognitive | 90 | 85.2 | 2% |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | Routine Cognitive | 90 | 85.2 | 5% |
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. | Non-Routine Interpersonal | 30 | 27.0 | 8% |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | Non-Routine Interpersonal | 30 | 27.0 | 2% |
| Estimate time for debt repayment given amount of debt, interest rates, and available funds. | Routine Cognitive | 95 | 87.2 | 2% |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or to set up payment plans. | Non-Routine Interpersonal | 30 | 27.0 | 6% |
| Recommend educational materials or resources to clients on matters such as financial planning, budgeting, or credit. | Routine Cognitive | 90 | 85.2 | 2% |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | Non-Routine Analytical | 65 | 53.0 | 4% |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | Non-Routine Analytical | 60 | 51.0 | 3% |
| Teach courses or seminars on topics such as budgeting, managing personal finances, or financial literacy. | Non-Routine Interpersonal | 25 | 25.0 | 3% |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | Non-Routine Interpersonal | 40 | 31.0 | 3% |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | Non-Routine Analytical | 60 | 51.0 | 3% |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | Routine Cognitive | 85 | 83.2 | 2% |
Community Assessment
Do you agree with this risk score?
Related Jobs
Chief Executives
11-1011.00
General and Operations Managers
11-1021.00
Advertising and Promotions Managers
11-2011.00
Marketing Managers
11-2021.00
Sales Managers
11-2022.00
Computer and Information Systems Managers
11-3021.00
Explore other career paths
Compare displacement risk across occupations and find careers with stronger long-term prospects.