AI exposure by occupation, O*NET 13-2071.00

Will AI replace Credit Counselors?

Credit Counselors: AI can already handle 16 of 23 tasks; the work mostly needs a frontier-tier model.

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Every task, scored

The 23 tasks O*NET 30.3 lists for Credit Counselors, from most to least exposed. 16 reach 60 or more, the level at which AI already handles a task.

Task AI exposure Evidence Model tier Importance
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. 100 Observed Efficient 4.2
Calculate clients' available monthly income to meet debt obligations. 80 Estimated Standard 4.8
Prepare written documents to establish contracts with or communicate financial recommendations to clients. 79 Observed Efficient 4.5
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. 79 Observed Frontier 4.3
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies. 75 Estimated Standard 4.8
Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first. 75 Estimated Frontier 4.7
Disburse funds from client accounts to creditors. 75 Estimated Efficient 4.6
Interview clients by telephone or in person to gather financial information. 75 Estimated Efficient 4.5
Estimate time for debt repayment, given amount of debt, interest rates, and available funds. 75 Estimated Frontier 4.5
Refer clients to social service or community resources for needs beyond those of credit or debt counseling. 75 Estimated Efficient 3.8
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. 75 Estimated Efficient 3.8
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. 75 Estimated Standard 3.5
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information. 65 Estimated Standard 4.7
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. 65 Estimated Standard 4.0
Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans. 60 Estimated Frontier 4.7
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit. 60 Estimated Efficient 4.0
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans. 50 Estimated Frontier 4.3
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. 50 Estimated Frontier 4.3
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. 40 Observed Standard 4.8
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. 40 Observed Efficient 4.6
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy. 35 Estimated Efficient 3.8
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. 20 Estimated Efficient 4.4
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. 12 Estimated No tier 3.7

Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 5 of 23 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 18 of 23. Importance is O*NET's 1 to 5 rating of how central the task is. Model tier is the lowest tier that can do the task under the published rubric; "No tier" marks hands-on work.

The model tier this role needs

A frontier-tier model or lower covers 96% of the role's importance-weighted task work. 96% of the work is something AI can address at some tier, and 4% is hands-on.

Efficient, standard and frontier tiers come from the JobRoute model tier reference. The recommended tier is the lowest one that covers 80% of the work AI can address. How the method works.

Wages, employment and outlook

US employment
27,770
Median annual wage
$52,230
Middle half of earners
$45,720 to $64,080
Projected change, 2024 to 2034
+3.3%

Employment and wages: BLS Occupational Employment and Wage Statistics, May 2025, national. Projection: BLS Employment Projections 2024 to 2034.

Adjacent roles

The occupations that reuse the most of this role's skills, with the usual time to move. These are the first places to look when you plan to redeploy or retrain people in this role.

Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.

Questions about Credit Counselors and AI

Will AI replace Credit Counselors?

AI already handles 16 of the 23 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 63 out of 100. JobRoute scores tasks, not whole jobs, so the score shows how much of the work changes rather than whether the job disappears. BLS projects employment to change by +3.3% from 2024 to 2034.

What is the AI exposure of Credit Counselors?

63 out of 100 on JobRoute's task exposure measure, the importance-weighted average of the role's O*NET task scores. Higher means more of the work is AI-doable today. 5 of the 23 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 18 are estimated from each task's O*NET work activity.

Which Credit Counselors tasks can AI already do?

The tasks with the highest exposure are: Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat; Calculate clients' available monthly income to meet debt obligations; Prepare written documents to establish contracts with or communicate financial recommendations to clients. They are three of the 16 tasks that reach 60 or more.

What AI model tier does this role need?

A frontier-tier model or lower covers 96% of the role's importance-weighted task work. JobRoute assigns each task the lowest tier that can do it under a published rubric and recommends the lowest tier that covers 80% of the work AI can address.

How many people work as Credit Counselors, and what do they earn?

27,770 people in the United States, with a median annual wage of $52,230 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of +3.3% from 2024 to 2034.

How to cite

Data version 2026-11-02, JobRoute method v1.0.0. Download all occupations or this occupation as JSON. Methodology.

JobRoute (2026). AI exposure: Credit Counselors. Data version 2026-11-02, method v1.0.0. Built on O*NET 30.3, BLS OEWS May 2025 and the Anthropic Economic Index (June 2026). CC BY 4.0. https://www.jobroute.ai/jobs/credit-counselors

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