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SOC 13-2071 · O*NET 13-2071.00
In the United States, credit counselors correspond to O*NET-SOC 13-2071.00 (Credit Counselors). The core is providing advice and education to individuals or organizations on obtaining and managing debt, helping judge the most suitable loan type, explaining loan requirements or limits, and helping prepare debt management plans: assess the client's overall financial condition including income and assets and debt and expenses and credit reports, calculate the monthly income available to repay debt and estimate the repayment timeline from the debt amount and interest rate, prepare a debt management plan or spending plan or budget, interview to collect financial information and explain to clients general financial knowledge such as credit report ratings and bankruptcy law and consumer protection law and wage garnishment and collection, recommend repayment and financial strategies and prioritize the repayment order, explain available loan types and eligibility conditions, prepare written documents and contracts and negotiate repayment adjustments or interest rates and terms with creditors, maintain client account activity and consultation records and pay amounts from client accounts to creditors , and when needed refer clients to social services and community resources beyond credit or debt counseling. The US basis is a single occupation segment, while similar positions on the China side are spread across bank debt negotiation and consumer finance post-loan and consumer credit services, which is not a one-to-one correspondence with that US occupation segment, and the appointment and authorization and pay bases cannot be interchanged.
Model impact index for three equally weighted representative core tasks; not a measured share of working time or a job-loss probability. floor((50+75+25)/3+0.5)=50; fermatmind-ai-impact-v1; 2026-10-18.
The work rhythm is set by client appointments and consultation cycles and creditor negotiation progress; the education and nonprofit credit counseling, finance and insurance, healthcare and social assistance, and community services directions differ markedly in funding source and service recipients and compliance requirements.The core output is reviewable consultation and debt management records: financial condition assessments and calculations of available monthly income, debt management plans and budgets, repayment plans and priority recommendations, written documents and consultation records, and records of negotiations with creditors—not giving a suggestion or having a chat.
Similar adjacent position titles do not mean the same duties; when comparing, first look at whether the object is debt and credit counseling, credit risk analysis, loan business promotion, personal financial planning, bookkeeping and auditing, or the authorization and verification of a specific credit application, and whether the role carries advisory and compliance responsibility.
US O*NET-SOC13-2071.00 Credit Counselors, providing counseling and education on obtaining and managing debt. The current US 13-2071.00 has 23 tasks divided into 19Core and 4Supplemental. Core includes interview and financial assessment and calculation of available income and repayment timeline and budget and debt plans and repayment ordering and strategy explanation and education and loan information and documents and records and adjusting plans as finances or family or work change and housing rental and purchase and delinquency and foreclosure counseling and housing action plans and referral to social resources. The 4Supplemental are creditor repayment negotiation and studying ways to avoid repossession/foreclosure/garnishment and so on and making payments from client accounts to creditors and verifying missing checks and payment problems; they are not a daily requirement for everyone and are not a general operating license in any jurisdiction. For China only editorial search directions such as debt negotiation and post-loan services and credit counseling and financial education are listed by duty, and the one-to-one classification and nationwide distribution were not obtained. Adjacent occupation tasks overlap, and authority does not shift automatically because of the name.
Career direction comparison
The table below compares credit counselors with five adjacent directions across occupation direction and core work and outputs and key difference and which choice suits you better; the wages are on the O*NET national wage 2025 wage data basis and the occupation codes are on the O*NET-SOC basis.
| Occupation direction | Core work and outputs | Key difference | Which choice suits you better |
|---|---|---|---|
| Credit Analysts (13-2041.00, adjacent occupation) | Analyze the credit data and financial statements of individuals or enterprises, judge the degree of risk in credit granting and lending, and prepare reports for decisions. | The key difference from this occupation is that it judges credit risk for institutional credit granting and produces risk reports, whereas this occupation provides advice and education to clients about debt and credit; the O*NET national median annual wage is 83,510 US dollars. | Better suited to people who want to do in-depth financial analysis and form risk judgments. |
AI's impact on the occupation
This round verified tasks and software recruitment words and the employment projection, and obtained no generative AI go-live efficiency experiment for this position. Material collection and repayment calculation and drafts and educational texts can serve as editorial directions to try; input accuracy and service and data permissions and case applicability must be verified. Traditional spreadsheets and record systems are not evidence of generative AI adoption, and task exposure is not a replacement date or a pay effect. AI Impact Score 50% is an editorial estimate. Model impact index for three equally weighted representative core tasks; not a measured share of working time or a job-loss probability. floor((50+75+25)/3+0.5)=50; fermatmind-ai-impact-v1; 2026-10-18.The three tasks, ratings and sources are listed in the FermatMind method source record on this page.
FermatMind AI Impact Score estimation method v1
FermatMind / 费马测试 · 2026-10-18
Mainland China salary reference
US 13-2071.00; the one-to-one Chinese classification mapping and the nationwide wage for this position were not obtained, which is not a claim that they do not exist.
The editorial direction is not a one-to-one occupation classification or a nationwide share; the wage and appointment condition gap is retained.
Insufficient evidence: no Mainland China occupation-level wage distribution corresponding to credit counselors (O*NET-SOC 13-2071.00) was obtained
Insufficient evidence: no nationwide occupation wage or recruitment quote distribution or one-to-one classification mapping for this position in China was obtained. NBS2025 education non-private 133,539/private 63,908 yuan, health and social work non-private 146,266/private 75,631 yuan, and finance non-private 211,164 yuan pre-tax annual averages; they serve as conditional background only where the legal entity's main industry matches, and a public-interest organization is not classified as education or health merely because it is nonprofit. Urban legal persons with 5 or more people, excluding sole proprietors and the self-employed; not this position's median or starting wage or monthly take-home pay, and not mixed with US industry shares.An industry average serves only as conditional background for the legal entity's main industry, not this position's wage; no one-to-one Chinese classification mapping was obtained, so it is not asserted that none exists officially.
US salary reference
2025 OEWS 13-2071.00 national wages and the BLS2025—2035 employment projection are cited separately. 2025 OEWS13-2071.00 regular pre-tax wages for employed full-time and part-time workers nationwide, excluding the self-employed and overtime premiums; the annual value is officially disclosed, and the 2080 standard is not an individual's actual full-year hours or monthly take-home pay. A percentile is not a starting wage or grade or wage causation by industry or experience.
| Wage position | Wage reference (annual / hourly) | Conversion boundary for annual income | How to understand this position |
|---|---|---|---|
| Lower wage position (10th percentile) | 38,350 US dollars/year (10th percentile; hourly 18.44 US dollars) | The official annual value is already disclosed, not annualized from an individual's actual hours | A percentile is only a distribution position, not a novice or supervisor level; this round obtained no causal estimate of industry or institution or region or duty on high-percentile wages. |
Occupation fit guide
Fit exploration starts with tasks such as interview assessment and income and repayment calculation and plan records and educational communication; the editorial suggestion is to observe the experience, and competence or hiring are not inferred from preferences.Compare with your own tolerable range item by item.
Worth further experience： Editorial self-observation: whether you are willing to communicate and explain income and expenses and debt and repeatedly verify records; this round obtained no validity for these preferences predicting performance in this position or greater adaptability.
Verify the real conditions first： First verify the drain of facing emotionally stressed or dissatisfied clients and the pace of repeated communication and multi-party coordination and whether you can continuously verify and keep a trail by rules.
Do one small experience first： First use hypothetical client financial material to complete one round of assessing the financial condition and calculating available monthly income and developing a debt management plan and writing recommendations and records, or sit in on one real debt counseling session, and then judge your preference.
Work pressure, risks, and occupational boundaries
Editorial risk reasoning: the risks center on three types: the state burden of long hours of sitting and communicating and facing clients under debt pressure; compliance and legal risk from credit information queries and disclosure beyond authority and a blurred boundary between advice and sales; and professional and reputational risk from promising debt forgiveness or credit repair and from unexecutable plans and inconsistent records; no evidence was obtained on whether it is more concentrated before appointments or on the specific effects.
The scenario is based on US tasks and the 57 context responses and Chinese personal information and credit reporting provisions and the US FTC counseling notice; the editorial control suggestions are kept separate from the statutory subject. No nationwide Chinese employment or illness incidence or liability determination data was obtained, and the NIST voluntary framework is not a mandatory counseling law.
Typical scenario：Handling client financial and credit material requires verifying the lawful basis and purpose and permissions; US decision impact 33% answering Important results and 30% Very important, not the top tier or a probability of penalty for overstepping.
Entry, certificates, and career development
Current US new-hire education responses: 31% bachelor's, 21% high school or equivalent, 21% two-year degree; this lists only the responses disclosed on the page, and the remaining items are not shown and are not filled in as zero. Job Zone Four/SVP7 to <8 is a cross-occupation general preparation level, and its mostly bachelor's and usually several years of experience or training cannot become a uniform entry threshold or training period for this position, let alone a Chinese requirement. For editorial preparation, emphasize data verification and calculation and explanation and change follow-up and the housing service scope; this is not a uniform finance or law or social work major threshold or a mandatory assistant path.
Career prospects and related occupation transitions
Demand judgment separately verifies the occupation employment projection and actual positions and service rules; debt levels and regulation can be listed as factors to be tested, and no causation for their determining the nationwide distribution of this position was obtained.A recruitment posting can only indicate one unit's position demand at one point in time. The three cannot substitute for one another.
United States · US 13-2071.00 BLS2025—2035
Growth 3% (2025—2035; 31,200→32,300; Average label 3%—4%)
Overall employment change
US 2025 employment for this position is 31,200, projected 32,300 in 2035; 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement; not a net increase or cumulative number or hiring rate or technology replacement date.
The projection is a change in the total occupation, not an individual hiring probability; an average projection does not mean it is easy to enter the field, and openings under this basis include growth and replacement.
Interview clients in person or by phone to collect financial information and assess their overall financial condition including income and assets and debt and expenses and credit reports, calculate the monthly income available to repay debt and estimate the repayment timeline, and prepare a debt management plan or spending plan or budget and set repayment priority; explain general financial knowledge such as credit report ratings and bankruptcy law and consumer protection law and wage garnishment and collection, explain available loan types and eligibility conditions, recommend educational materials, and teach courses; prepare written documents and contracts and represent clients in negotiating repayment adjustments or interest rates and terms with creditors; maintain client account activity and consultation records and pay amounts to creditors and verify payment problems, and refer to social services and community resources when needs exceed the scope of debt or credit counseling.
Choose a real task from this page for a small practice project or a conversation with someone in the field. Use the planning guides to set a date, an output and feedback questions before deciding whether to continue.
Suited to try first: willing to communicate with people for long periods, patiently explain financial concepts and make complex accounts understandable, verify financial data by standards, maintain consultation records, and deliver steadily within advice and compliance boundaries.Calculation tools and repayment calculators and record systems can be used as controlled verification and organization aids, but tool output must not be treated as unverified financial fact or an applicable rule or final advice, and an automatic calculation must not be treated as a repayment plan that can be promised to a client or as evidence that debt is forgiven.
Requires caution: if you are unwilling to face clients under debt pressure or emotionally stressed, avoid item-by-item verification and record keeping, or cannot bear the pace of repeated communication and multi-party coordination, the actual work will not match expectations.Fit judgment should combine real client communication and data verification and record feedback and must not be replaced by an interest type or a single test.
Low-risk validation: use hypothetical client financial material to complete one round of assessing the financial condition, calculating available monthly income, developing a debt management plan, and writing recommendations and records; this only judges work preferences, does not use real client data, and is not equivalent to appointment qualifications or a practice license or financial advice.All paper exercises on this page are hypothetical material; in real work, credit information protection and query and disclosure, the boundary between advice and sales, non-discrimination and adverse action notice, and consultation record retention must follow the applicable rules and institutional policy.
The three work areas below are editorial organization, not a complete fixed process for every position. The current US 13-2071.00 has 23 tasks divided into 19Core and 4Supplemental. Core includes interview and financial assessment and calculation of available income and repayment timeline and budget and debt plans and repayment ordering and strategy explanation and education and loan information and documents and records and adjusting plans as finances or family or work change and housing rental and purchase and delinquency and foreclosure counseling and housing action plans and referral to social resources. The 4Supplemental are creditor repayment negotiation and studying ways to avoid repossession/foreclosure/garnishment and so on and making payments from client accounts to creditors and verifying missing checks and payment problems; they are not a daily requirement for everyone and are not a general operating license in any jurisdiction.
Financial condition assessment and calculation, debt management plan and budget
Consultation and teaching records, and recommended educational resources
The work object of credit counselors is the debt and income and expenses and credit records and financial goals of individuals or organizations, and the outputs are reviewable financial condition assessments and calculations, debt management plans and budgets, repayment plans and priority recommendations, written documents and consultation records, and records of negotiations with creditors; the basis for handling is the applicable financial consumer protection and credit information rules and institutional service and fee rules and the boundary between advice and sales, not the position title. This table compares credit counselors with the adjacent credit analysts and loan officers and personal financial advisors and accountants and auditors and financial managers and credit authorizers and checkers and clerks item by item across seven points: core purpose, main object and basis, core process, main outputs, responsible party, collaboration and supervision, and conclusion boundary: the adjacent positions all work in financial and finance settings, but the object, whether the role provides advice and education to clients about debt and credit, and whether it carries advisory and compliance responsibility do not shift just because the positions are adjacent; when comparing, verify each item against the actual duties and the process they sit in.
Interview clients in person or by phone to collect financial information, assess the client's overall financial condition by reviewing income and assets and debt and expenses and credit reports and other material, and verify the data source and timestamp.
US Core: calculation of available monthly income and repayment timeline, debt plans and spending plans or budgets and repayment ordering, reviewed and adjusted as finances or family or work change. The DMP described by the US FTC mainly handles unsecured debt and differs from debt settlement; housing and auto loan and mortgage issues are verified separately, and debt forgiveness must not be promised.
Explain general financial knowledge such as credit report ratings and bankruptcy law and consumer protection law and wage garnishment and collection to clients, recommend educational materials or resources on financial management, budgeting and credit, and teach courses or lectures on budgeting and personal financial management.
US Core: recommend strategies and explain the pros and cons of service items and possible creditor concessions and loan types and conditions, and include housing rental and purchase and delinquency and foreclosure counseling and housing action plans; providing general information does not automatically grant case-specific legal or approval authority.
Preparing written documents and contracts is Core in the US; representing clients in adjusting payments or interest rates or terms with creditors is Supplemental, as is studying ways to avoid repossession/foreclosure/garnishment and so on; the specific authority and achieved outcome are verified separately, and creditor consent is not presumed.
Accounts and consultation records and referral to social resources are Core in the US; making payments from client accounts to creditors and verifying missing checks and payment problems are Supplemental, and it cannot be said that every counselor handles client funds.
Six recurring professional judgments: whether the client's financial information is verified clearly; whether the available income and repayment timeline are calculated correctly; whether the debt management plan and budget are executable; whether the financial knowledge and loan information explained are accurate; whether the boundary between advice and sales is maintained; and whether situations such as a data gap or suspected fraud or a client complaint or a matter beyond the service scope are escalated per policy.
Judgment one: is the client's financial information verified clearly
Judgment two: are the available income and repayment timeline calculated correctly
| Loan Officers (13-2072.00, adjacent occupation) | Meet clients about loan needs, assess them, and advance the loan application to completion. | The difference is that the focus is on loan business promotion and sales targets, whereas this occupation centers on client debt management advice and education; the O*NET national median annual wage is 76,690 US dollars. | Better suited to people who want to face clients and promote business and process loan applications. |
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| Personal Financial Advisors (13-2052.00, adjacent occupation) | Do investment and financial planning for clients, manage assets, and provide financial advice. | The difference is that the object is portfolios and asset planning, usually involving investment products and fiduciary responsibility, rather than centering on debt management and budgeting; the O*NET national median annual wage is 105,070 US dollars. | Better suited to people who want to do investment and asset planning and carry fiduciary responsibility. |
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| Accountants and Auditors (13-2011.00, adjacent occupation) | Prepare and audit financial information, verify accounts, and check compliance. | The difference is that the object is bookkeeping preparation and auditing centered on financial statements and compliance verification, rather than client debt counseling and education; the O*NET national median annual wage is 83,680 US dollars. | Better suited to people who want to do bookkeeping and compliance auditing. |
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| Financial Managers (11-3031.00, adjacent occupation) | Coordinate the institution's or department's accounting and investment and banking and insurance and securities financial activities and manage the team. | The difference is that the duties are coordinating financial activities and managing teams rather than client-facing debt and credit counseling; the O*NET national median annual wage is 166,570 US dollars. | Better suited to people who want to coordinate financial plans, lead a team, and be accountable for the department's results. |
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| Credit Authorizers, Checkers, and Clerks (43-4041.00, adjacent occupation) | Process and authorize specific credit applications by predetermined standards and investigate the applicant's history and credit status. | The difference is that it makes authorization and verification decisions by institutional standards and is process-execution oriented, rather than providing clients with debt management advice and education; the O*NET national median annual wage is 50,080 US dollars. | Better suited to people who want to process applications by standards and make authorization and verification decisions. |
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Conclusion: these directions all work in financial and finance settings, but the object (client-facing debt and credit counseling, credit risk analysis for institutional credit granting, loan business promotion, investment and asset planning, bookkeeping and auditing, financial activity coordination, authorization and verification of a specific application) and whether the role carries client advice and compliance responsibility differ markedly; when choosing, base it on the target position's actual duties and the process it sits in rather than looking only at the occupation name.
Next step: use the practice materials on this page or shadow one real debt counseling session and verify whether the target direction's object is client debt counseling or credit analysis or business promotion or bookkeeping, and then decide the direction.
Editorial ratings use the existing occupational responsibilities and AI task analysis on this page. They are not adoption rates, measured effects, job-disappearance or personal-unemployment probabilities, or official scores from Stanford or another external institution. No measured time weights or future robot deployment are assumed.
It refers to the degree to which a task can be completed or assisted by existing technology; it does not show whether an institution adopts it, nor does it show changes in headcount or wages.
Real integration and permissions and fees and training must be checked with the specific institution; this round obtained no measurement of adoption share or speed for this position, or of being slower than technical capability.
Debt demand and tools and region and institutional structure can be listed as factors to be tested; this round obtained no headcount and wage causation for this position, and they are not stated to have jointly determined actual income.
| Work direction | Task | Current change | Human control points |
|---|---|---|---|
| Condition assessment | Assess the client's overall financial condition | Tools can group income and expenses and debt by template and flag gaps. | Verifying the data source and completeness and judging the condition conclusion remain the counselor's responsibility. |
| Calculation and planning | Calculate available monthly income and repayment timeline | Spreadsheets and calculators can automatically calculate available income and repayment timeline. | Verify the inputs and basis and judge whether the calculation fits the client's reality. |
| Plan preparation | Develop a debt management plan and budget | Tools can generate draft plans and budgets. | Adjust for essential spending and income volatility and carry responsibility for executability. |
| Consultation and education | Explain financial knowledge and loan information | Knowledge bases and material generation tools can organize explanation points. | Verify compliance with current rules and state things truthfully and do not exaggerate effects. |
| Plan recommendations | Recommend strategies and educational resources | Tools can list candidate strategies and resources based on the situation. | Judge whether the strategy suits the client and explain the options and limits. |
| Negotiation and execution | Prepare documents and negotiate with creditors | Templates and systems can generate documents and record negotiation progress. | Verify the document content and negotiate on the client's behalf and handle objections and escalation. |
| Records and referral | Maintain records and handle payments and referrals | Systems can record account activity and screen pending and referral items. | Verify records and differences and judge the referral scope and handle anomalies. |
The sources used on this page, the object they actually regulate or count, and the limits of use are listed item by item below.
The tasks are divided below into three types: the parts more easily changed by tools, the parts where people still carry the judgment and responsibility, and the parts where both sides must be verified.
What AI mainly changesSpreadsheets and repayment calculation tools can group income and expenses and debt by template and calculate the repayment timeline.
Still handled by peopleVerify the data sources and basis and judge whether the calculation matches the client's real income and expenses and carry responsibility for the advice.
What AI mainly changesTools can generate draft plans and budgets from templates.
Still handled by peopleAdjust the plan for the client's essential living costs and income volatility and judge whether it is executable.
What AI mainly changesTools can organize credit and budgeting educational material and generate communication drafts.
Still handled by peopleVerify that the content follows current rules and does not exaggerate effects and truthfully states services and fees.
The human-machine division of work below is an editorial control suggestion, and the responsibility of the actual institution and personnel and tool service providers is verified by the legal relationship and contract.
Editorial risk reasoning: verify the source and timestamp and completeness of the client's financial information and credit records, and confirm that the explanation and advice are based on current rules and institutional service standards; input or rule problems, if actually adopted and not corrected, may carry through into the advice.
The editorial suggestion is to verify the financial assessment and calculation and plan and advice output and design review points; the specific personnel responsibility and scope follow real permissions, and it is not claimed that all systems must have the same manual process.
Assessments and plans and advice and creditor negotiations are recorded per institutional rules and confirmed by the responsible person, stating the time and destination, and traceable to the original data and basis.
Editorial anomaly suggestion: record the facts and to-be-verified items and verify within the real service scope and authority; matters beyond scope such as legal and tax issues are referred to the authorized professional position, and ordinary emotional or complaint matters are handled within actual authorization, without stopping all work across the board or granting suspension or restoration authority from this page.
The systems and calculation tools and educational materials used must be operated by personnel trained and acting within their authority; unverified tool output or suggestions must not be used to replace institutional policy and applicable rules.
Output cannot carry legal liability; the responsibility of the actual organization and service providers follows the legal relationship and contract, and it cannot be said across the board that tool providers bear no responsibility. Misuse can create advice and complaint risk, and the incidence rate was not obtained.
Control method:Treat tool output as drafts and leads and verify the inputs and rules, and have the final advice made by the counselor per institutional policy with a written trail.
Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms.
Control method:Query and use and disclose under the minimum necessity and permission principles of institutional policy and applicable rules, keep an operating trail, and report anomalies per policy.
Editorial risk reasoning: treating product promotion as counseling advice may harm the client's interests and create compliance risk.
Control method:Editorial verification suggestion: explain service fees and possible conflicts of interest, and determine disclosure handling or necessary recusal per law and institutional policy; this is not a uniformly mandatory recusal procedure for this position.
Exaggerating service effects or promising debt forgiveness or credit repair misleads clients and creates legal risk.
Control method:Chinese Regulations on the Administration of the Credit Reporting Industry are verified by credit reporting business subject for personal collection and queries and purposes and statutory exceptions; Article 25: when the information subject believes the information is wrong or missing, they may raise an objection with the credit reporting agency or the information provider; the receiving credit reporting agency or information provider must mark it as required, verify and handle it within 20 days of receiving the objection and reply in writing to the objector, and Article 16 provides that personal adverse information is kept for 5 years from the end of the adverse act or event; a verified error in an objection is not a guarantee that genuine records are deleted, and credit reporting agency obligations are not automatically assigned to any counselor. When a case involves bankruptcy or tax issues beyond the service scope, refer it, and creditor relief cannot be guaranteed.
Editorial risk reasoning: a plan divorced from the client's real income and expenses, or records inconsistent with communication, may make the plan inapplicable and cause disputes.
Control method:Prepare the plan from the client's essential spending and income volatility and keep versions and communication records, and adjust only after clarifying differences per procedure.
First build the abilities to verify financial data and calculate debt and explain complex concepts clearly, then learn calculation and office tools, and build awareness of data permissions and advice boundaries.
Treat tool output as drafts and leads, retain independent review of the data and rules and advice, and keep a truthful trail.
Clarify data permissions and service and fee rules and conflict of interest handling and record standards, and write the review points and escalation path into the process and policy.
In the course, train financial and debt knowledge and communication and counseling skills, as well as data protection and anomaly escalation and responsibility awareness under a human-machine division of work.
The US officially lists 23 tasks 19Core/4Supplemental: Core includes interview and financial assessment and income and repayment calculation and budget and plans and education and records and housing counseling; negotiation and studying ways to avoid repossession and paying accounts to creditors and payment anomalies are Supplemental. The categories are not frequency or a jurisdictional license or AI effects.
Source:O*NET OnLine: Credit Counselors (13-2071.00) occupation profileOriginal material ↗
2025 Lightcast US recruitment words for this position: Office20%, Excel19%, Outlook10%, Word7%, PowerPoint5%, Access2%, SAP under 1%; PeopleSoft provides no value and 0 is not filled in. Keywords are not software adoption or generative AI shares or proficiency or mandatory thresholds.
Source:O*NET OnLine: Credit Counselors hot technologies (13-2071.00)Original material ↗
No. The work context describes survey responses and does not measure AI effects or adoption or replacement causation, and cannot yield a replacement date; candidate assistive uses must be verified within actual permissions.
Source:O*NET OnLine: Credit Counselors detailed profile (13-2071.00)Original material ↗
This round obtained no AI adoption or headcount or wage causation for this position; technical capability and actual organizational adoption and employment outcomes are kept separate, and it is not inferred that the data do not exist at all.
Source:O*NET OnLine: Credit Counselors detailed profile (13-2071.00)Original material ↗
US 2025 employment for this position is 31,200, projected 32,300 in 2035; 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement; not a net increase or cumulative number or hiring rate or technology replacement date.
Source:O*NET13-2071.00 employment trends: BLS2025—2035Original material ↗
Exposure only measures the relationship between tasks and technology and does not give a replacement date; this round obtained no exact matching value for this position or actual adoption or employment causation.
Source:ILO：Generative AI and Jobs — Refined Global Index of Occupational ExposureOriginal material ↗
The NIST voluntary framework can serve as a reference for designing roles and records and oversight, not a mandatory counseling law; actual personal information and credit reporting business obligations are verified separately. Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms.
Source:NIST：Artificial Intelligence Risk Management Framework (AI RMF 1.0)Original material ↗
Next step: verify the three types of task change above item by item against the specific work scenario—which steps are already carried by business systems or calculation tools or material generation tools, which still require the counselor's judgment, and who is responsible for data verification and the advice basis and negotiation and records.
Insufficient evidence: this round obtained no verifiable recruitment or quote statistics for debt and credit counseling positions in Mainland China; an individual institution's position pay disclosure cannot represent the national level
Actually consulted the NBS2025 industry averages and coverage; the nationwide occupation wage and quote distribution for this position were not obtained.
| Preparation observation direction | Job direction | Notes and verification suggestions |
|---|---|---|
| US education responses and the general tier (not a Chinese threshold) | Debt material organization and client service support position | Current US new-hire education responses: 31% bachelor's, 21% high school or equivalent, 21% two-year degree; this lists only the responses disclosed on the page, and the remaining items are not shown and are not filled in as zero. Job Zone Four/SVP7 to <8 is a cross-occupation general preparation level, and its mostly bachelor's and usually several years of experience or training cannot become a uniform entry threshold or training period for this position, let alone a Chinese requirement. |
| Income and expenses and debt and communication (editorial preparation) | Debt negotiation, credit counseling, and financial education positions | Editorial preparation: understand income and expenses and debt and verify material and calculate and explain options; Chinese education and major conditions and the nationwide recruitment distribution were not obtained. |
| Lawful data and service scope (editorial verification) | Counselor, financial education, and dispute mediation positions | Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms. Chinese Regulations on the Administration of the Credit Reporting Industry are verified by credit reporting business subject for personal collection and queries and purposes and statutory exceptions; Article 25: when the information subject believes the information is wrong or missing, they may raise an objection with the credit reporting agency or the information provider; the receiving credit reporting agency or information provider must mark it as required, verify and handle it within 20 days of receiving the objection and reply in writing to the objector, and Article 16 provides that personal adverse information is kept for 5 years from the end of the adverse act or event; a verified error in an objection is not a guarantee that genuine records are deleted, and credit reporting agency obligations are not automatically assigned to any counselor. |
| Coordination and training (editorial direction) | Counselor supervisor or service team lead direction | The editorial management direction verifies service quality and collaboration and training and real authority; no uniform education or qualification or promotion years were obtained. |
Note: not obtaining a separately listed occupation figure does not mean the official side has never published one; this page registers only the actual consultation scope and results and does not fill in with industry averages or US data.
Editorial search directions: bank and consumer finance post-loan and debt negotiation and credit and consumer services and financial education and community support; the nationwide institutional distribution was not obtained, so the main employer share is not claimed.
The editorial distinction covers duties such as debt plans and post-loan negotiation and credit counseling and educational support; the specific institution and funding source and authorization and pay are checked with the actual unit, and a common nationwide distribution is not inferred.
The editorial verification covers client appointments and follow-up and negotiation arrangements; no data was obtained on greater concentration at month end or quarter end or a fixed peak period, and income is not inferred from it.
Tools can list verification candidates; AI adoption and efficiency and wage causation for this position in China were not obtained, an industry average does not replace occupation income, and it is not proven that AI raises or lowers wages.
| Median wage position | 52,230 US dollars/year (median, 2025 wage data; median hourly wage 25.11 US dollars) | Not equal to fixed monthly income | The median indicates the midpoint of the distribution: under this nationwide basis half of practitioners earn less and half earn more; it is not an average starting wage and does not mean it is reached upon entry. |
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| Higher wage position (90th percentile) | 80,440 US dollars/year (90th percentile; hourly 38.67 US dollars; 2025) | Does not mean sustained high income all year | Insufficient evidence: no granular data usable to derive an individual's take-home income or starting wage for this occupation was obtained (US, 2025 wage data period). Wages published by hour cannot be used to derive a stable annual salary or monthly income without the individual's hours and attendance; part-time and non-standard employment also make actual income differ from the full-time basis. |
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Salary · 10th percentile：38,350 US dollars/year (10th percentile; hourly 18.44 US dollars)；The 10th percentile is the low-end statistical position of the annual wage distribution on this basis, not an entry-level starting wage, and is not converted into an individual's monthly income or take-home wage；O*NET national wages: 13-2071.00 (2025 wage data)
Salary · 25th percentile：45,720 US dollars/year (25th percentile; hourly 21.98 US dollars)；The 25th percentile means that about one quarter of practitioners earn less than this value in annual wages； it is a statistical position and does not indicate a seniority level or job duties；O*NET national wages: 13-2071.00 (2025 wage data)
Salary · median：52,230 US dollars/year (median, 2025 wage data; median hourly wage 25.11 US dollars)；The median indicates the midpoint position of this occupation's nationwide wage distribution, not an average wage or entry-level wage or an employer quote；O*NET national wages: 13-2071.00 (2025 wage data)
Salary · 75th percentile：64,080 US dollars/year (75th percentile; hourly 30.81 US dollars)；The 75th percentile is the position of the upper quarter of the distribution and comes from the same statistical period； years of experience or grade cannot be inferred from it；O*NET national wages: 13-2071.00 (2025 wage data)
Salary · 90th percentile：80,440 US dollars/year (90th percentile; hourly 38.67 US dollars; 2025)；The 90th percentile is a distribution position, and no wage causation by industry or institution or region or duty or experience was obtained； 2025 nationwide wages for this position.
Insufficient evidence: this round obtained no state or regional wage breakdown for this position. It can be checked separately on the local wage page without passing a national value off as a regional value; the 2025 national wage and the 2025—2035 employment projection and the task and preparation profiles are kept separate.
US 2025 industry employment for this position: education 58%, finance and insurance 12%, health and social assistance 11%, professional and scientific and technical 10%, other 9%, totaling 100%; the industry distribution is not wages or a Chinese position share.
A percentile is a distribution position, and the source does not prove pay causation by years of experience or industry or region or institution or duty, and a percentile cannot replace a grade.
US 2025 employment for this position is 31,200, projected 32,300 in 2035; 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement; not a net increase or cumulative number or hiring rate or technology replacement date.
| Industry | Industry employment share / statistical status | How to understand it |
|---|---|---|
| Education services | Education services｜58% (2025 industry employment share) | 2025 education's 58% share for this position is an employment share, not wages or the salary of an education institution counselor. |
| Finance and insurance / healthcare and social assistance | Finance and insurance 12% and health and social assistance 11% (2025 industry employment shares) | 2025 finance and insurance 12% and health and social assistance 11% are two different items, and the previous 13% each is no longer used. |
| Other industries | Other industries｜9% (2025 industry employment share) | 2025 other industries total 9%; no unlisted subdivisions or self-employment share is invented. |
| Industries where credit counselors work (statistical classification) | US 2025 industry employment for this position: education 58%, finance and insurance 12%, health and social assistance 11%, professional and scientific and technical 10%, other 9%, totaling 100%; the industry distribution is not wages or a Chinese position share. | 2025 professional and scientific and technical services 10%; the industry classification is not self-employment or the institution's funding source, and this round does not infer wage differences from it. |
Statistical wages are based on paid positions: weekly hours and part-time and non-standard work and the funding source (fee-based services or funded programs) all affect actual take-home income, so hourly wages and annual income cannot substitute for each other.
US tasks allow verification of the division of work for debt plans and education and housing and negotiation and payments; no wage effect by institutional duty was obtained, and Chinese post-loan classifications are not applied to US occupation income.
Region and institution and hours and duties can serve as verification items when looking at real quotes; this round obtained no causal wage differences from these factors for this position.
US 2025 employment for this position is 31,200, projected 32,300 in 2035； 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement； not a net increase or cumulative number or hiring rate or technology replacement date.
US 2025 employment for this position is 31,200, projected 32,300 in 2035； 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement； not a net increase or cumulative number or hiring rate or technology replacement date.
US 2025 employment for this position is 31,200, projected 32,300 in 2035； 2025—2035 growth 3% (Average label 3%—4%), with 2,000 average annual openings including growth and replacement； not a net increase or cumulative number or hiring rate or technology replacement date.
Is my interest type close to debt and credit counseling work?
The interest code published by O*NET for credit counselors (13-2071.00) is CSE: the conventional type corresponds to verifying data and preparing plans by rules, the social type corresponds to communicating with clients and educating and supporting them, and the enterprising type corresponds to negotiating with creditors and driving plans to completion. Treat the code as a clue about activity types, not as a personality label.
Do not use it this way:The interest code only indicates activity types, does not predict work performance, and does not constitute a hiring standard.
Understand my occupational interestsDo my personality traits help with counseling work?
The editor uses agreeableness and conscientiousness to raise questions about patience and verification and follow-up; this round obtained no fit validity for this position or basis for calling the relationship the most direct, and it cannot serve as a hiring threshold.
Do not use it this way:Trait descriptions do not diagnose personality and do not predict whether someone can handle a specific position.
Understand my Big Five traitsCan MBTI tell me whether I suit one-to-one counseling or teamwork?
MBTI-type tools describe preferences and are not a job allocation tool; the difference between one-to-one counseling and teamwork lies mainly in the work form (interviewing and recording alone, or coordinating with creditors and institutions on multiple sides) rather than in preference type. Please verify with actual task experience.
Do not use it this way:Type results must not be used as a basis for hiring or scheduling or promotion.
Understand my personality preferencesCan the Enneagram help me understand why I want to do counseling?
Enneagram-type tools describe motivation clues: wanting to help others improve their financial situation or wanting meaning through education and public-interest service or wanting to enter a financial institution to do post-loan and debt management lead to different choices. Treat it as a questioning tool, not as a position conclusion.
Do not use it this way:Do not treat a motivation description as a career choice conclusion or an employment basis.
Understand my motivation cluesWhat cognitive and operational demands does this occupation make?
Current US new-hire education responses: 31% bachelor's, 21% high school or equivalent, 21% two-year degree; this lists only the responses disclosed on the page, and the remaining items are not shown and are not filled in as zero. Job Zone Four/SVP7 to <8 is a cross-occupation general preparation level, and its mostly bachelor's and usually several years of experience or training cannot become a uniform entry threshold or training period for this position, let alone a Chinese requirement. Financial material and rules and calculation and communication tasks can serve as editorial observation, and no validity of IQ-type scales for hiring or performance in this position was obtained.
Do not use it this way:Cognitive test results are not a hiring standard and do not replace health and physical condition requirements.
Understand my cognitive performanceDoes it require strong communication ability?
Such positions require communicating with clients and creditors and institutions on multiple sides and handling questions from clients under debt pressure; the O*NET survey shows 87% recording email and 68% recording phone communication and 59% recording face-to-face discussions as the highest-frequency answer, 57% reporting continuous contact with others, and 40% recording contact with external clients or the public as the highest importance. They also face emotional swings and complaints. Emotion-type tools only offer an angle for self-observation and are not a position threshold.
Do not use it this way:Do not use communication style to judge hiring or scheduling, and do not treat emotional descriptions as health conclusions.
Understand my communication cluesBetter match:US Core debt plans and budgets and assessment and follow-up on changes; housing counseling is also within the tasks. The institutional scope and authority are verified separately, and fit cannot be inferred from a willingness to communicate.
Note:Constrained by client appointments and negotiation progress; you must stay steady amid client emotional swings and multi-party coordination.
Better match:US Core financial education and referral to social resources; community or public-interest work is an editorial search direction, and no nationwide distribution of positions in unions and so on was obtained.
Note:Service recipients and funding sources are diverse; you need to handle public-interest scenarios and compliance boundaries.
Better match:Analyze the credit data and financial statements of individuals or enterprises, judge the degree of risk in credit granting and lending, and prepare reports for decisions.
Note:Already an adjacent occupation: it judges credit risk for institutional credit granting, and its duties and qualification requirements must be verified separately.
View related occupations:Credit analystsBetter match:The adjacent loan officer role includes credit and financial analysis and within-limit approval or referral and application and client consultation, not only business promotion; some debt counseling tasks are New.
Note:The editorial suggestion is to add the loan process and credit assessment and products and real approval authority; no uniform sales target or transfer success rate was obtained.
View related occupations:Loan officersBetter match:Adjacent personal finance includes income and risk interviews and investment and insurance planning, and also debt repayment ordering and timeline Core and education Supplemental, not pure asset management.
Note:The object is investment and asset planning, and transferring in requires building investment product knowledge and verifying fiduciary responsibility.
View related occupations:Personal financial advisorsBetter match:Prepare and audit financial information, verify accounts, and check compliance.
Note:The object is bookkeeping preparation and auditing, and transferring in requires building accounting standards and audit process ability.
View related occupations:Accountants and auditorsEditorial observation of the drain of repeated verification and plan adjustment and follow-up; this is not a threshold requiring a certain personality type to do it right.
The editorial suggestion is to record feedback and re-verify the basis before revising; no validity for review attitude predicting cooperation or hiring was obtained.
US dissatisfied client responses are 52% yearly but not monthly and 24% monthly but not weekly, which are parallel tiers rather than an incidence rate. Observe communication drain with actual permitted tasks and do not diagnose from it.
The editorial verification covers the object and material and permissions and experience by the real division of work for debt plans and negotiation and financial education; no uniform target or position share or validity of preference predicting fit was obtained.
According to the O*NET survey, 87% record email and 68% record phone communication and 59% record face-to-face discussions as the highest-frequency answer, 57% report continuous contact with others, and 40% record contact with external clients or the public as the highest importance; you need both to communicate and educate and to complete calculations and records independently.
O*NET shows 62% recording continuous sitting as the top-tier answer, 93% reporting a fixed regular schedule, and 62% reporting 40 hours per week; people sensitive to prolonged sitting or intensive communication should verify the work form first.
US time pressure is 13% daily and 27% weekly but not daily and 43% monthly but not weekly, in three separate tiers; verify against the actual institution's appointments and deadlines, and client appointments do not necessarily determine the entire rhythm.
The editorial suggestion is to record communication and calculation and adjustment and feedback and observe which step you are willing to keep practicing; no validity was obtained for these records predicting performance in this position better than test scores.
Tests can support preference exploration; the editorial suggestion is to keep observing through target tasks and conditions and lawfully permitted communication and record feedback. This page obtained no validity for the tool or a work sample predicting performance in this position and does not give it final decision authority.
First use hypothetical material to verify data and calculate and explain; real observation requires lawful permission from the institution and client, do not use un-de-identified material, and do not infer hiring from one experience.
Main positions：Counseling positions that handle client credit reports and financial material
Possible consequences：Editorial risk reasoning: improper handling of credit information may bring compliance penalties and misplaced responsibility and loss of client trust.
Risk reduction：Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms. Chinese Regulations on the Administration of the Credit Reporting Industry are verified by credit reporting business subject for personal collection and queries and purposes and statutory exceptions; Article 25: when the information subject believes the information is wrong or missing, they may raise an objection with the credit reporting agency or the information provider; the receiving credit reporting agency or information provider must mark it as required, verify and handle it within 20 days of receiving the objection and reply in writing to the objector, and Article 16 provides that personal adverse information is kept for 5 years from the end of the adverse act or event; a verified error in an objection is not a guarantee that genuine records are deleted, and credit reporting agency obligations are not automatically assigned to any counselor. The editorial suggestion is to verify access permissions and the trail and not assign all credit reporting agency obligations to the counselor.
Basis：Personal Information Protection Law of the People's Republic of China (full text from the Cyberspace Administration of China) · Regulations on the Administration of the Credit Reporting Industry (State Council No. 631, reposted by the State Administration for Market Regulation)
Typical scenario：Editorial risk: unclear services and fees or an undisclosed sales interest may create disputes; the US FTC notes that nonprofit status does not guarantee being free or lawful, and the institutional label cannot be used to skip verification. Actual responsibility follows the specific subject's rules.
Main positions：Positions that provide both counseling and financial product recommendations
Possible consequences：Editorial risk reasoning: a blurred boundary may bring complaints and compliance penalties and reputational loss.
Risk reduction：The editorial suggestion is to verify services and fees and sales recommendations and interests, disclose them, and have the actually authorized position handle conflicts; no uniformly mandatory recusal procedure was verified.
Basis：FTC How To Get Out of Debt
Typical scenario：Exaggerating service effects or promising debt forgiveness or credit record repair or implying that legal consequences can be avoided misleads clients and brings legal and reputational risk; feasible options and limits must be explained based on current rules.
Main positions：Counseling positions serving clients with delinquencies and debt pressure
Possible consequences：Improper promises cause client losses and complaints and legal risk.
Risk reduction：Chinese Regulations on the Administration of the Credit Reporting Industry are verified by credit reporting business subject for personal collection and queries and purposes and statutory exceptions; Article 25: when the information subject believes the information is wrong or missing, they may raise an objection with the credit reporting agency or the information provider; the receiving credit reporting agency or information provider must mark it as required, verify and handle it within 20 days of receiving the objection and reply in writing to the objector, and Article 16 provides that personal adverse information is kept for 5 years from the end of the adverse act or event; a verified error in an objection is not a guarantee that genuine records are deleted, and credit reporting agency obligations are not automatically assigned to any counselor. Relief or removal of genuine records is not guaranteed; legal and tax cases are referred to authorized personnel.
Basis：Regulations on the Administration of the Credit Reporting Industry (State Council No. 631, reposted by the State Administration for Market Regulation) · FTC How To Get Out of Debt
Typical scenario：Chinese debt negotiation and post-loan services and credit counseling and education are only editorial search clues; the nationwide mapping and employment distribution were not obtained. Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms. Chinese Regulations on the Administration of the Credit Reporting Industry are verified by credit reporting business subject for personal collection and queries and purposes and statutory exceptions; Article 25: when the information subject believes the information is wrong or missing, they may raise an objection with the credit reporting agency or the information provider; the receiving credit reporting agency or information provider must mark it as required, verify and handle it within 20 days of receiving the objection and reply in writing to the objector, and Article 16 provides that personal adverse information is kept for 5 years from the end of the adverse act or event; a verified error in an objection is not a guarantee that genuine records are deleted, and credit reporting agency obligations are not automatically assigned to any counselor.
Main positions：People doing debt negotiation and credit counseling work in Mainland China
Possible consequences：Treating one institution's practice as a uniform rule causes judgment bias and misplaced responsibility.
Risk reduction：Editorial anomaly suggestion: record the facts and to-be-verified items and verify within the real service scope and authority; matters beyond scope such as legal and tax issues are referred to the authorized professional position, and ordinary emotional or complaint matters are handled within actual authorization, without stopping all work across the board or granting suspension or restoration authority from this page. Chinese Personal Information Protection Law is verified by identified or identifiable natural person information, and financial accounts are sensitive personal information; not all credit or company material can be equated with sensitive information. Processing is verified against a lawful basis such as Article 13 and purpose clarity and minimum necessity, and consent has statutory exceptions; automated decisions with major impact involve the Article 24 rights to explanation and to refuse solely automated means, not a blanket ban on algorithms.
Basis：Personal Information Protection Law of the People's Republic of China (full text from the Cyberspace Administration of China) · Regulations on the Administration of the Credit Reporting Industry (State Council No. 631, reposted by the State Administration for Market Regulation)
Typical scenario：Editorial risk reasoning: a debt management plan divorced from the client's essential spending and income volatility, or consultation records and correspondence and account records that are inconsistent, may make the plan inapplicable and cause disputes; when multiple rounds of adjustment are needed the editorial suggestion is to verify version consistency and not to infer a disagreement rate from the number of rounds.
Main positions：Positions that prepare debt management plans and continuously follow up
Possible consequences：Editorial risk reasoning: plan failure and inconsistent records may cause client default and complaints and unclear responsibility.
Risk reduction：Prepare the plan from the client's essential spending and income volatility, keep versions and communication records, and adjust only after clarifying differences per procedure with a written trail.
Basis：onet
Typical scenario：US email 87%, telephone 68%, face-to-face 59% daily, 57% continuous contact, and 62% sitting continuously or almost continuously; dissatisfied clients 52% yearly but not monthly and 24% monthly but not weekly. No data was obtained on greater concentration before client appointments or on illness or psychological impact incidence rates.
Main positions：Debt counseling, post-loan negotiation, and financial consumer services positions
Possible consequences：The editorial note is that long hours of sitting and communicating may create a burden; this context survey does not provide disease or psychological injury incidence rates for this position and does not diagnose an individual.
Risk reduction：Arrange work-break activities and eye rest and rotate task types and keep a regular schedule, handle emotions and complaints per procedure, and seek support and professional help when persistently low or under excessive pressure.
Basis：O*NET OnLine: Credit Counselors detailed profile (13-2071.00)
Qualifications and credentials must be verified separately: education and major background and financial and debt fundamentals and counseling and communication ability and data permissions and service boundaries are not the same level of status and cannot substitute for one another.
| Entry-level position | What you mainly do early in the job | Editorial candidate observation method | How to prove it without experience | Difference from other directions |
|---|---|---|---|---|
| Client service and material organization support position | Complete client reception and material collection and record organization under guidance, execute per procedure, and record the process. | Basic financial knowledge, communication ability, record conventions. | A hypothetical client reception and material organization record sample. | Leans toward supervised execution and document support and does not give debt advice independently. |
| Debt counseling and plan preparation position | Independently complete financial condition assessment and available income calculation and debt management plan preparation, and provide advice and records within the service scope. | Assessment and calculation, plan executability, consistency of records and basis. | A hypothetical debt management plan and consultation record sample. | Accountable for the advice and plan, which must be given within the service scope with a written trail. |
| Financial education and counseling position | Take on financial education courses or lectures and client-facing credit and budgeting counseling with a written trail as required. |
Current US new-hire education responses: 31% bachelor's, 21% high school or equivalent, 21% two-year degree; this lists only the responses disclosed on the page, and the remaining items are not shown and are not filled in as zero. Job Zone Four/SVP7 to <8 is a cross-occupation general preparation level, and its mostly bachelor's and usually several years of experience or training cannot become a uniform entry threshold or training period for this position, let alone a Chinese requirement.
The education responses for this position and the general Zone are kept separate; this is not an employer recruitment sample or a Chinese education requirement.
Editorial preparation direction: understand debt and credit and financial assessment and planning and communication tasks; actual appointment and service fees and data permissions are verified against the target unit and business rules, and no nationwide recruitment proportion was obtained.
This page obtained no nationally uniform public qualification conditions for Mainland China, which must be verified against the target unit's requirements for the current year; this page does not constitute authorization or hiring advice.
Able to verify client financial information and credit records and calculate available income and repayment timeline under a uniform basis and prepare an executable plan with truthful records (from O*NET tasks and work context data).
The editorial ability observation is not a hiring threshold; in the US 87% daily email, 62% continuous sitting, 43% extremely important accuracy, and dissatisfied clients 52% yearly but not monthly, and this is not a Chinese profile.
Deliverable: a financial condition assessment for a fully hypothetical client, including lists of income and assets and debt and expenses, a calculation of available monthly income, and a statement of limits.
State the basis for every judgment (data source, basis, to-be-verified items), and the assessment and the basis must not contradict each other.
Deliverable: a hypothetical debt management plan and monthly budget, including repayment priority, timeline estimates, and assumptions.
Distinguish verified from client-stated information, do not treat assumptions as known facts, and do not use real client data.
Deliverable: hypothetical consultation records and negotiation points, including explanation points, a statement of services and fees, and how a conflict of interest is handled, so that a reviewer can trace it.
Deliverable: a one-page note explaining how you arrange verification and escalation when there is a data gap or client emotion or a legal or tax issue or a matter beyond the service scope, which step took the most time, and what you will practice next; do not include real client or un-de-identified personal information.
| Stage | What may be examined | Observed evidence | Boundary of use |
|---|---|---|---|
| Financial and debt fundamentals questions | Whether you can explain debt and credit fundamentals and the financial condition assessment points and how a plan is prepared. | Answer records and the handling process. | A single unit's assessment method does not represent a uniform procedure. |
| Situational judgment | Whether you can state the verification order and escalation and communication approach when facing a data gap or client emotion or a complaint or a legal or tax issue or a matter beyond the service scope. | Answer records and the judgment basis. | The scope of the assessment is set by the unit; this page makes no inference. |
| Compliance and boundary questions | Whether you understand credit information protection and query and disclosure and the boundary between advice and sales and conflict of interest handling and record requirements. |
| Qualification / preparation item | Who it mainly suits | Real role in job seeking | Whether it is a general entry threshold | Application / processing conditions | Investment considerations | Important limitations |
|---|---|---|---|---|---|---|
| Education and major background | People preparing to enter debt and credit counseling positions | Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. | Not a uniform mandatory threshold; verify against the target unit | Per the target unit's recruitment posting | Insufficient evidence: no uniform cost or preparation time was obtained; check the actual course and unit. | Education does not represent assessment ability or advice quality. |
| Financial and debt fundamentals |
Hypothetical situation: a credit counselor receives a hypothetical personal debt counseling case and encounters four problems. First, the monthly income the client states differs greatly from the amount on the payroll records provided, and the client says there is some cash income; second, the client asks the counselor to guarantee that the delinquency record is removed and that it will not affect future loans; third, the client has online loans and credit cards and loans from relatives and friends and wants to repay the lowest-interest one first; fourth, the client becomes emotional during the conversation and says that if it cannot be resolved immediately they will stop repaying.
Given materials: the client's self-stated income and expenses and debt list; partial payroll records and credit card statements; the institution's service content and fee description; the debt management plan and budget template; and the consultation record template.
Materials not given: the verification rule for which side prevails when income figures differ, the compliance basis for whether a delinquency record can be handled and how to explain it, and the discretion rule for whether repayment priority follows client preference or cost. If the practice needs these conditions, state clearly your assumptions and the party you need to confirm them with.
Please write a one-page handling and communication plan: including the verification and explanation of the income discrepancy, the handling and compliance explanation for the delinquency record request, the recommendation and basis for repayment priority, and the response to and record of client emotion and the risk of stopping repayment.
The plan must state which information comes from the prompt material and which is still an assumption, and explain whether it relies on the institutional service description or the debt management plan template or the consultation record template.
Find a public introductory document on personal debt and credit, mark three knowledge points related to debt management or credit records, and write down what you want to confirm.
Using a hypothetical client, turn collecting material and assessing the financial condition and calculating available income and preparing a plan and follow-up into an executable plan, and note the situations that need confirmation.
Use hypothetical data to calculate available monthly income and the repayment timeline, write out the input basis and assumptions, and do not infer information beyond the data.
Based on the hypothetical client, write a debt management plan including repayment priority and a budget, distinguishing verified from client-stated information.
Using a hypothetical case, write a compliance explanation and escalation record responding to the client's request, including feasible options and limits and referral suggestions.
Have a peer review your recommendations using only your assessment and plan, and record the questions the other person raises.
Typical duties：Complete client reception and material collection and record organization under guidance, execute per procedure, and record the process.
Promotion evidence：Able to complete reception and material organization per procedure and report missing items or anomalies immediately.
Qualification boundary：Education and knowledge and unit hiring conditions are verified separately; no uniform Chinese associate degree requirement was obtained.
Next step：Familiar with counseling processes and tools.
Typical duties：Independently complete financial condition assessment and available income calculation and debt management plan preparation, and provide advice and records within the service scope.
Promotion evidence：Assessment matches the basis, the plan is executable, records and basis are consistent, and anomalies are escalated per policy.
Qualification boundary：Editorial preparation clue: verify financial and debt knowledge and communication tasks and the target unit's requirements; no nationwide core hiring basis was obtained.
Next step：Learn consumer protection and service rules.
Typical duties：Take on debt negotiation and multi-party coordination for complex cases, handle legal and emotional risk, and take part in process improvement.
Promotion evidence：Able to coordinate multiple judgments and keep records and basis consistent.
Qualification boundary：Per unit policy and position requirements.
Next step：Learn negotiation and compliance requirements.
Typical duties：Take part in service quality and compliance control and training and teamwork, and take on coordination.
Promotion evidence：Able to balance quality and compliance and client interest requirements.
Qualification boundary：The counseling and negotiation experience requirements for the management direction are verified against the target posting and policy; no uniform threshold was obtained.
Next step：Verify the duties and appointment requirements of that direction.
Typical duties：Complete educational material preparation and activity organization and participation records under guidance, execute per procedure, and record the process.
Promotion evidence：Able to complete material and activity support per procedure, with participation and feedback recorded truthfully.
Qualification boundary：Hiring conditions are verified separately, and no uniform Chinese associate degree requirement was obtained; specific housing or bankruptcy service approvals are listed separately.
Next step：Familiar with education and public-interest project processes.
Typical duties：Take on financial education courses or lectures and client-facing credit and budgeting counseling with a written trail as required.
Promotion evidence：Content follows current rules and is stated truthfully without exaggeration, and counseling and records follow the standards.
Qualification boundary：Per unit requirements.
Next step：Learn course design and public communication.
Typical duties：Responsible for community project organization and cross-agency referral and follow-up, handling complex needs and compliance issues.
Typical duties：Complete post-loan material organization and account records and client contact under guidance, execute per procedure, and record the process.
Promotion evidence：Able to complete material and record processing per procedure, with differences recorded truthfully.
Qualification boundary：Actual post-loan position permissions and hiring conditions are verified separately, and a uniform nationwide associate degree and financial knowledge threshold is not inferred.
Next step：Familiar with post-loan processes and systems.
Typical duties：Take on repayment negotiation and plan explanation and client communication with a written trail as required.
Promotion evidence：Negotiation complies with standards and records are clear, and disputes and complaints are handled per procedure.
Qualification boundary：Per unit requirements.
Next step：Learn negotiation methods and consumer rights protection.
Responsible for complex debt negotiation and complaint handling and process improvement, handling compliance and legal risk issues.
Editorial preparation direction: work under lawful permission and supervision on document reception and organization and records, and verify debt knowledge and the counseling process; this is not a mandatory entry position for this occupation.
Independently complete financial condition assessment and available income calculation and debt management plan preparation for common clients: verify data, explain the relevant financial knowledge, and give advice and records within the service scope.
Take on cases with complex debt structures or legal and emotional risk, carry out creditor negotiation and multi-party coordination, take part in service process and material improvement, guide new colleagues, and maintain record conventions.
The editorial management direction verifies quality and collaboration and training, and actual appointment and authorization are checked with the target unit; there is no uniform promotion years or appointment guarantee.
United States · Credit counselors (O*NET 13-2071.00 basis)
Certification and training query entry point
Certification and training information
This window re-accessed the O*NET certification query for this position, and the main content actually shows a directory of 19 certifications; the Loading in the navigation is not a list result. The directory is not a nationwide statutory license or current enrollment or position demand, and the specific program application and applicable conditions were not obtained item by item. The specific HUD and USTP business conditions are verified separately.
Cannot explain：Certification and training entry points do not predict the number of positions or the wage level.
Editorial compilation for this page · Credit counselors
Recruitment information verification basis (editorial compilation)
Recruitment information verification method
Editorial explanation of the basis for verifying position information: a recruitment posting can only indicate one unit's position demand at one point in time.
Cannot explain：A recruitment posting does not represent nationwide demand or the median wage or a uniform entry requirement.
These are ability proximity relationships and do not represent automatic promotion or no need for further study.
Transferable：Shared abilities: reading credit and financial data, applying rules, keeping a written trail.
To be added：To be added: financial statement analysis, risk judgment, and report writing.
View occupation detailsTransferable：Shared abilities: understanding credit products, client communication, risk awareness.
To be added：The editorial suggestion is to add loan credit analysis and products and the application process and within-limit approval or referral authority; not only sales.
View occupation detailsTransferable：Shared abilities: client communication, financial analysis, plan explanation.
To be added：The editorial suggestion is to add investment and insurance planning and products and the real fiduciary relationship; the adjacent role also has debt repayment Core, so it cannot be said that it never handles debt.
View occupation detailsTransferable：Shared abilities: verifying financial material, rigorous records, compliance awareness.
To be added：To be added: accounting standards, bookkeeping treatment, and audit procedures.
View occupation detailsTransferable：Shared abilities: financial knowledge and process understanding, cross-department communication.
To be added：The editorial suggestion is to add funds and risk and team coordination and real loan approval authority; the manager's actual tasks also include credit and loan decisions.
View occupation detailsTransferable：Shared abilities: verifying credit material, applying rules, keeping a written trail.
To be added：To be added: authorized execution processes, standard application, and business system operation.
View occupation detailsTransferable：Shared abilities: account records, client communication, overdue handling.
To be added：To be added: collection processes, repayment negotiation, and compliance scripts.
View occupation detailsTransferable：Shared abilities: interviewing to collect information, assessing by rules, keeping a written trail.
To be added：To be added: public program eligibility rules, review processes, and information systems.
View occupation detailsCredit counselors provide advice and education to clients about debt and credit and help prepare debt management plans; credit analysts judge credit risk for institutional credit granting; loan officers meet clients and advance loan applications; personal financial advisors do investment and asset planning; accountants and auditors prepare and audit financial information; financial managers coordinate financial activities; credit authorizers and checkers process and authorize specific credit applications by standards.
Business and record systems and spreadsheets and repayment calculation tools and document and educational material generation tools can reduce repetitive work such as data organization and repayment calculation and draft plans and organizing educational material; but verifying and judging client financial data, debt management advice, explaining financial knowledge and loan information, negotiating with creditors, handling emotions and conflicts of interest, and being accountable for the advice still depend on people and are bound by applicable rules and institutional policy. Technical exposure does not equal organizational adoption or job disappearance.
What can be verified is change at the task level: three types of tasks—financial data organization and repayment calculation, debt management plan and budget drafts, and educational materials and communication texts—can be partly taken on by tools; this page has no single-occupation adoption rate or replacement data.
Verifying and judging client financial data, financial condition assessment and repayment calculation, the executability of debt management advice and plans, explaining financial knowledge and loan information, negotiating with creditors, handling emotions and conflicts of interest, and review and compliance awareness when using tools.
In the US 2025 wage data, the median annual wage is 52,230 US dollars and the median hourly wage is 25.11 US dollars (single occupation basis 13-2071.00), with annual percentiles of 38,350／45,720／52,230／64,080／80,440 US dollars; figures broken down by state or region must be queried on the O*NET local wage page by region and period and cannot be taken as an individual quote; no occupation-level wage figure was obtained for Mainland China, and this page handles it as a gap.
The US preparation level is Job Zone Four (SVP 7.0 to <8.0), most require a four-year bachelor's degree, and several years of related experience or on-the-job or vocational training are usually also needed; similar positions in Mainland China are mostly hired on professional background and related experience, with specifics per the target unit's rules.
The United States has no uniform national license and training is mostly arranged by employers, and certification and training information can also be queried; similar positions in Mainland China also have no uniform national qualification requirement, and financial and debt fundamentals and counseling experience matter more; specific conditions are verified against the target unit's requirements.
First use the hypothetical exercises on this page to complete one round of assessing the financial condition and calculating available monthly income and developing a debt management plan and writing recommendations and records, or sit in on one real debt counseling session, and then verify the target direction's object and data sources and advice boundaries.
The O*NET employment trends page (based on the BLS 2024—2034 projection) shows this segment at about 31,800 people in 2024, with a projection label of Average (growth 3% to 4%), and about 2,200 average annual openings including growth and replacement; the work is mainly communication and calculation and records in an office or service setting and must be verified against local consumer credit service demand and compliance requirements.
FermatMind career content editorial team (source verification and exercise design)
Updated: 2026-10-09 (the nine modules only; retained older wording such as the protected Hero/FAQ does not mean it was verified this time)
Sources: the current O*NET tasks and context and education and interests for this position, 2025 OEWS wages, the BLS2025—2035 projection, 2025 Lightcast keywords, NBS2025 industry averages, PIPL and the credit reporting regulations, the FTC counseling notice, the specific HUD and USTP business, the ILO exposure method and the NIST voluntary governance framework. Each item's limits are in the register.
Limits of use：Supports only the credit risk analysis and reporting tasks of credit analysts (adjacent occupation); the median annual wage on the same basis is 83,510 US dollars (O*NET national wages, 2025 wage data); does not merge credit risk analysis duties into this occupation.
Limits of use：Supports only the standard processing and specific credit application authorization tasks of credit authorizers and checkers and clerks (adjacent occupation); the median annual wage on the same basis is 50,080 US dollars (O*NET national wages, 2025 wage data); does not merge authorization and verification duties into this occupation.
Limits of use：Supports only the accounting preparation and audit tasks of accountants and auditors (adjacent occupation); the median annual wage on the same basis is 83,680 US dollars (O*NET national wages, 2025 wage data); does not merge bookkeeping and audit duties into this occupation.
Limits of use：The original 2024—2034 dependency is retained to protect the Hero/FAQ and is not treated as current; the same URL is currently 2025—2035, and the nine modules use g04-trends.
Limits of use：The protected FAQ's original dependency is retained, and retention is not equated with verification; the real provisions and business certifications are listed separately.
Limits of use：17 tasks 9Core/8Supplemental, covering public program interview assessment and benefit calculation authorization and eligibility renewal verification; the main business authority is verified separately.
Limits of use：17 tasks 6Core/11Supplemental, with funds and teams and loan approval/application and collection reporting coexisting, not only coordination.
Limits of use：15 tasks 13Core/2Supplemental, and collection includes repayment plans and explanation advice; negotiation in this position is not absolutely excluded.
Limits of use：Supports the compliance examination and record verification tasks of financial examiners (adjacent occupation) at financial institutions; the focus is regulatory compliance and examination, and they usually do not carry client-facing debt and credit counseling.
Limits of use：The new-hire responses for this position and the general Job Zone are kept separate and are not a recruitment posting or a Chinese condition or uniform training.
Limits of use：21 tasks 17Core/4Supplemental, and investment and insurance planning also includes debt repayment ordering Core and education and payment on behalf Supplemental; the main purpose differs but the tasks overlap.
Limits of use：The original URL is only the home page and is not proof of this product or the validity for this position; CSE is verified separately from this position's profile.
Limits of use：The home page is not the highest level of detail or proof that no occupation data exist.
Limits of use：A governance suggestion, not a mandatory counseling law or a blanket exemption of tool provider liability.
Limits of use：Provides the wage statistics entry point published by occupation code and coverage notes; the percentile values on this page are published through the O*NET national wage page (13-2071.00), and an industry average wage must not be taken as this occupation's wage.
Limits of use：It is not a software adoption rate or generative AI effect or proficiency or mandatory condition.
Limits of use：The home page cannot be used to infer that the official side publishes only by category or has no occupation classification.
Limits of use：Explains the OEWS coverage population and wage composition and conversion assumptions; it does not provide specific values for this occupation and is not used to convert an hourly wage into an individual's monthly income.
Limits of use：Publishes this occupation's annual wage percentiles of 38,350／45,720／52,230／64,080／80,440 US dollars and hourly percentiles of 18.44／21.98／25.11／30.81／38.67 US dollars; a percentile is a statistical position, not a grade level, and cannot be converted into an individual's monthly income or take-home wage; data broken down by state or region must be queried on that page by region and period.
Limits of use：The directory is not a nationwide statutory license or current enrollment or position demand; the application conditions of each program were not obtained item by item, and apprenticeship queries are checked separately.
Limits of use：Global task exposure method; this round obtained no exact matching value for 13-2071 or adoption or replacement causation, and it is not that the study has no occupation detail.
Limits of use：30 tasks 14Core/3Supplemental/13New: including credit analysis and within-limit approval or referral and client explanation and debt counseling New, not only application advancement.
Limits of use：The current projection is not a measured AI employment effect
Limits of use：Industry is not wages or a Chinese distribution
Limits of use：Recruitment words are not adoption or proficiency or a qualification
Limits of use：A US consumer notice, not directly applied to China or used to infer a uniform fee ban on all services
Limits of use：Only housing counseling required by HUD programs; training is optional, and the examination and agency employment must be kept separate
Limits of use：Specific business institutional approval is not a personal general license, and it is not inferred that all bankruptcy law has been verified
Limits of use：Matches education or health and social work or finance by the legal entity's main industry, is not mixed by US industry shares, and is not this position's wage.
Limits of use：Scope of natural person information; consent exceptions and sensitive information rules are verified against the applicable conditions, and enterprise information is not all treated as personal sensitive information
Limits of use：Credit reporting business subject obligations and general counseling permissions are kept separate; Articles 16 and 25 do not equal a guarantee that genuine information is deleted.
Note: this page distinguishes official statistics and applicable rules and institutional policy from editorial compilation; source names and applicable scopes are not interchangeable. US and Mainland China data are in separate columns: the US wage is on the single occupation basis 13-2071.00 (OEWS 2025 wage data), and employment and the projection come from the O*NET employment trends page (based on the BLS 2024—2034 projection); Mainland China is handled as a gap, and the two do not substitute for each other. Where the statistical period and survey object and pay basis differ, cite them separately; do not interpolate and do not fill in with adjacent occupations or industry averages. The practice materials are all hypothetical or based on public material and do not constitute training proof or a practice authorization or a hiring promise.
Personality preferences (EN) · Big Five traits (EN) · Understand my personality preferences · Understand my Big Five traits
| Dimension | Main direction | Comparison direction |
|---|---|---|
| Core purpose | Help individuals or organizations obtain and manage debt: make a complex financial situation understandable, provide an executable debt management plan and budget, and ensure the data sources and applicable rules are clear and the advice is explainable and the records are followable. | Core purposes of adjacent positions: credit analysts judge credit risk for credit decisions; loan officers meet clients and advance loan applications; personal financial advisors do investment and financial planning and manage assets; accountants and auditors prepare and audit financial information; financial managers coordinate financial activities and teams; credit authorizers and checkers process and authorize specific credit applications by standards. |
| Main object and basis | The debt and income and expenses and credit records and financial goals of individuals or organizations; the basis is financial consumer protection and credit information rules and institutional service and fee rules and the boundary between advice and sales. | Objects and bases of adjacent positions: credit risk and financial statements (credit analysts), client loan needs and products (loan officers), portfolios and financial goals (personal financial advisors), ledgers and financial reports and accounting standards (accounting and auditing), departmental financial activities (financial managers), and a specific credit application and standards (credit authorization and verification). |
| Core process | Interview to collect information → assess the financial condition → calculate available income and repayment timeline → develop a plan and budget → explain and educate → negotiate and record. | Credit analysis does financial statement ratios and risk reports and also has payment plan tasks; loan officers analyze credit and approve within a limit or refer, and also have debt counseling and calculation New tasks; personal financial advisors also handle debt repayment ordering and financial education, not only investment; accounting and auditing prepare and audit accounts and tax; managers coordinate funds and teams and have loan approval; credit authorization and verification processes applications and accounts by standards. |
| Main outputs | Financial condition assessments and calculations, debt management plans and budgets, repayment plans and priorities, written documents and consultation records, negotiation records and educational resources. | Outputs of adjacent positions: credit risk reports (credit analysts), loan application materials (loan officers), investment and financial plans (personal financial advisors), financial statements and audit opinions (accounting and auditing), financial plans and control results (financial managers), and authorization or denial decisions and verification records (credit authorization and verification). |
| Responsible party | Credit counselors are responsible for data verification and the basis of calculations and advice and the truthfulness of documents and record completeness; whether to charge fees and whether to join a debt management plan and the specific negotiation outcome must be handled per institutional rules and client consent and are not decided unilaterally. | Verified by actual duties and authorization: loan positions are not only application advancement, personal financial advisors are not only investment, and financial managers are not only departmental coordination; adjacent positions share client financial material and debt tasks. |
| Collaboration and supervision | Exchange necessary information and submit records with clients and creditors and authorized bodies; editorial anomaly suggestion: record the facts and to-be-verified items and verify within the real service scope and authority; matters beyond scope such as legal and tax issues are referred to the authorized professional position, and ordinary emotional or complaint matters are handled within actual authorization, without stopping all work across the board or granting suspension or restoration authority from this page. | Collaboration of adjacent positions: credit analysts collaborate with approval and risk control; loan officers collaborate with clients and approval positions; personal financial advisors collaborate with investment and insurance parties; accounting and auditing collaborate with client management and regulators; financial managers collaborate with executives and departments; credit authorization and verification collaborate with business and compliance. |
| Conclusion boundary | Divided by main object and outputs and actual authorization; debt counseling and loan and personal financial planning and credit analysis and collection tasks may overlap, and authority cannot be absolutely excluded or interchanged by occupation name. | The preparation levels and appointment conditions of adjacent positions do not apply to this occupation and must be verified item by item against each occupation's official material and the institution's rules. |
Judgment three: is the debt management plan and budget executable
Judgment four: is the financial knowledge and loan information explained accurate
Judgment five: is the boundary between advice and sales maintained
Judgment six: are anomalies and out-of-scope situations escalated
| Content accuracy, communication delivery, no exaggerated promises. |
| A hypothetical education course outline and consultation record sample. |
| Leans toward knowledge dissemination and public education and is bound by content compliance requirements. |
| Debt negotiation and client communication position | Take on repayment negotiation and plan explanation and client communication with a written trail as required. | Negotiation ability, compliance scripts, dispute handling. | A hypothetical negotiation and communication record sample. | Leans toward negotiation and client communication and is bound by regulated scripts and record requirements. |
|---|
| Loan officers (adjacent direction) | Adjacent loan application and credit analysis and within-limit approval or referral and client explanation, with specific authority verified separately. | The editor verifies products and credit and financial analysis and application explanation and real within-limit approval and referral authority; not a recruitment sample. | A hypothetical client contact and application advancement sample. | The adjacent loan business and counseling have overlapping debt tasks, not only sales targets or application advancement. |
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Client financial material and credit reports, debt and repayment calculation tools, debt management plan and budget templates, consultation and service agreements, account and record systems, calculation and office software, telephone and online counseling channels, educational resources and course materials; the technology keywords for this occupation listed by O*NET include office software and spreadsheets.
2025 Lightcast US recruitment words for this position: Office20%, Excel19%, Outlook10%, Word7%, PowerPoint5%, Access2%, SAP under 1%; PeopleSoft provides no value and 0 is not filled in. Keywords are not software adoption or generative AI shares or proficiency or mandatory thresholds.
| Answer records or sample comparison. |
| The assessment criteria are set by the unit; this page makes no inference. |
| Counseling and probation observation | Assessment accuracy on the given case, plan executability, and completeness of communication and records. | Handling results or probation output and a process retrospective. | Assessment and appointment conditions are set by the unit; this page does not constitute a hiring promise. |
|---|
| People working in debt counseling and negotiation and financial education |
| Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. |
| Editorial preparation observation; no uniform threshold for most positions was obtained. |
| Built through courses or training or job practice |
| Insufficient evidence: no uniform cost or preparation time was obtained; check the actual course and unit. |
| Knowledge does not equal the service scope or authorization an institution can provide. |
| Counseling and communication ability | People who provide counseling and education to clients | Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. | Depends on the position and institution | Built through practice and supervision and feedback | Insufficient evidence: no uniform cost or preparation time was obtained; check the actual course and unit. | Communication ability does not equal being able to promise outcomes or exceed the service scope. |
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| Pre-service training and specific business approval or certification | People who have already been hired | Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. | Specific business certification and institutional approval are verified by applicable scope, not a uniform post-hiring training. | Housing counseling required by US HUD programs must be provided by HUD-certified counselors at approved participating agencies; certification requires passing an examination and working at an approved agency, so passing the examination alone is not enough, and it is not a general credential for all credit counselors. US pre-bankruptcy credit counseling and post-bankruptcy debtor education are courses at different stages with limited exceptions; the USTP lists approved agencies and providers separately, and that business approval is not a personal general license for all counselors. | Insufficient evidence: no uniform cost or preparation time was obtained; check the actual course and unit. | Passing training does not equal permanent authorization and must follow policy and permissions. |
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| Data permissions and service boundaries | People who handle credit information and give advice | Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. | It is a position authorization, not optional | Granted per institutional policy and applicable rules | Not applicable (set by institutional policy) | Authorization is not general across institutions, and this page does not constitute a compliance opinion. |
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| Counselor supervisor and training ability | People preparing to take on supervisory or oversight duties | Editorial ability or permission verification direction; actual position conditions are verified separately, and no uniform hiring validity was obtained. | Not an entry threshold | Per unit policy and position requirements | Insufficient evidence: no uniform cost or preparation time was obtained; check the actual course and unit. | Management training does not equal authorization or compliance or financial responsibility position authorization. |
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Any qualification and appointment requirement should follow the current rules of the unit and the competent authority; this page does not constitute a hiring promise or a qualification opinion or legal advice.
The plan should include: income discrepancy (list both figures and explain the impact of the difference, require verifiable evidence per institutional rules, do not conclude on the stated income before verification, and do not choose one side on your own), the delinquency record request (explain that correction and retention of a delinquency record must follow current rules and the credit reporting agency's process, do not promise removal or repair, truthfully explain the feasible path, and tell the client about the uncertainty), repayment priority (compare the different orders by cost and consequence and explain why high-cost or short-term debt comes first while respecting the client's wishes and recording the trade-off), emotion and stopping repayment (stabilize the communication first, explain the steps that can be taken and the timing, and refer or escalate per policy when serious financial or legal consequences are involved without giving legal advice beyond scope), and handover (state clearly the status of the four matters and the actions taken and the to-be-confirmed items).
The reference deliverables list only the elements that should be included and do not require wording identical to the example; being able to explain the judgment basis is enough.
This question only tests data verification and compliance explanation and the basis of advice and awareness of emotional response; it does not evaluate whether handling of a real case is compliant and does not constitute hiring or authorization or financial or legal advice.
Real client data or un-de-identified personal information must not be used; where real data permissions and the boundary between advice and sales and compliance are involved, follow institutional policy and applicable rules.
Return to the judgment checklist on this page and write down three reasons you are willing to continue and two conditions that require caution.
Promotion evidence：Able to balance service quality and compliance and referral linkage requirements.
Qualification boundary：Per unit policy and position requirements.
Next step：Learn referral and multi-party collaboration.
Typical duties：Responsible for service standards and project design and teamwork, and handle cross-party coordination.
Promotion evidence：Able to balance standards and public-interest goals and management requirements.
Qualification boundary：Per unit policy and rules.
Next step：Verify the requirements related to project and team management.
Promotion evidence：Able to balance client interests and compliance and institutional requirements.
Qualification boundary：Per unit policy and position requirements.
Next step：Learn complaint handling and compliance management.
Typical duties：Responsible for service standards and complaint management and teamwork, and handle cross-party coordination.
Promotion evidence：Able to balance client rights and compliance and management requirements.
Qualification boundary：Per unit policy and rules.
Next step：Verify the requirements related to consumer rights protection.
Limits of use：US 2025 industry employment for this position: education 58%, finance and insurance 12%, health and social assistance 11%, professional and scientific and technical 10%, other 9%, totaling 100%; the industry distribution is not wages or a Chinese position share. The task categories are not a daily chain, and the page update is not a uniform survey year.
Limits of use：The 57 context response tiers are US only and are not disease incidence or a Chinese profile; Core and Supplemental are not frequency.
Limits of use：Editorial ratings use the existing occupational responsibilities and AI task analysis on this page. They are not adoption rates, measured effects, job-disappearance or personal-unemployment probabilities, or official scores from Stanford or another external institution. No measured time weights or future robot deployment are assumed.
