Community Sentiment
Do you agree?
Do you agree with the AI automation risk score calculated for this occupation?
AI Automation Index
Will AI Replace Credit Counselors?
Task-level automation exposure for Credit Counselors: 23 O*NET tasks scored against their work activities, plus the simulator.
E-E-A-T Verified
Developed & audited by Gini Loh Automation Exposure
59%
weighted task index
23 of 23 tasks scored
Median Salary
$52,230 / year
BLS OEWS, May 2025 — this exact occupation
Employment Level
Medium
27,770 people hold this job — size, not growth
Projected 2025–35
+3.3%
employment change
2,000 openings a year · BLS line item
Pay by state
BLS OEWS publishes 47 state estimates for this occupation. Each is its own survey estimate, not the national median adjusted for local prices.
$30,580 – $67,120
Highest medians
California $67,120
Georgia $64,080
District of Columbia $63,580
Massachusetts $63,240
New York $63,030
Lowest medians
Missouri $30,580
Tennessee $38,730
Wyoming $42,580
Arkansas $45,060
West Virginia $45,860
State figures come from the 13-2071 row in the May 2025 state panel. States where the estimate was suppressed or too small to publish are absent.
What the score is made of
Each task is mapped to its work activities, scored for AI automation potential, and weighted by how important those activities are to the job. These are the components.
Automation potential 59%
Importance-weighted mean of the scored tasks. This is the headline index.
Physical work 0%
Share of weighted tasks in hands-on or machine-operating work activities.
Judgment & influence 47%
Share in analysis, decisions, teaching, directing, advising, or caring for others.
Routine administration 12%
Share in documenting, recording, and administrative activities.
Rewritten by O*NET 0%
Share of weighted tasks O*NET rewrote in a recent update. Reported, not folded into the score.
Consequence of error 14/100
Low
O*NET's own rating of how serious an uncorrectable mistake would be here — respondents, not us. Deliberately not in the index: the score measures what AI can do with the task content, and multiplying it by stakes would be our judgment dressed as data.
Constituent Task Mix
23 tasks for this occupation, weighted by work-activity importance. Shares below are of total task weight, not task count.
High exposure (≥ 60% of the task is automatable) 48%
11 tasks
Medium exposure (≥ 35%) 44%
10 tasks
Low exposure (below 35%) 8%
2 tasks
How would you survive?
Move your week away from the high-exposure tasks and toward the ones that need judgment. The simulator recalculates the index as you shift the mix.
Simulate Upskilling →Constituent Tasks
#18936 · Core · 50% automatable
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
decision support — Financial plans drafted; fiduciary accountability human
Develop financial plans for clients.
#18934 · Core · 62% automatable
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
data analysis — Financial status from documents, human verifies
Assess financial status of clients.
#18935 · Core · 88% automatable
Calculate clients' available monthly income to meet debt obligations.
data analysis — Amortization schedule computation
Compute debt repayment schedules.
#18945 · Core · 50% automatable
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.
decision support — Analysis supports recommendations; fiduciary judgment stays human
Recommend investments to clients.
#18933 · Core · 64% automatable
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
text generation — Written correspondence to customers is largely automatable
Correspond with customers to answer questions or resolve complaints. Advise others on financial matters.
#18952 · Core · 50% automatable
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
interpersonal — Client education needs trust and fiduciary accountability
Educate clients on financial planning topics.
#18939 · Core · 30% automatable
Interview clients by telephone or in person to gather financial information.
interpersonal — Client financial interviews need trust and judgment
Interview clients to gather financial information.
#18940 · Core · 82% automatable
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
text generation — Standard financial documents drafted from data
Prepare financial documents.
#18937 · Core · 88% automatable
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
data analysis — Amortization schedule computation
Compute debt repayment schedules.
#18943 · Core · 50% automatable
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.
decision support — Financial plans drafted; fiduciary accountability human
Develop financial plans for clients.
#18944 · Core · 50% automatable
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.
interpersonal — Client education needs trust and fiduciary accountability
Educate clients on financial planning topics.
#18947 · Core · 62% automatable
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
data analysis — Financial status from documents, human verifies
Assess financial status of clients.
#18942 · Core · 65% automatable
Prepare written documents to establish contracts with or communicate financial recommendations to clients.
text generation — Draft transaction docs; human owns legal risk
Prepare contracts or other transaction documents.
#18938 · Core · 62% automatable
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
information retrieval — AI explains policies; human handles live questions
Explain regulations, policies, or procedures.
#18955 · Core · 50% automatable
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
interpersonal — Client education needs trust and fiduciary accountability
Educate clients on financial planning topics.
#18948 · Core · 55% automatable
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
decision support — AI drafts financial guidance; accountability and tailoring human
Advise others on financial matters.
#18946 · Core · 55% automatable
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
decision support — AI can match programs; human handles eligibility nuance
Refer clients to community or social service programs.
#18953 · Core · 62% automatable
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
data analysis — AI interprets financials; human owns advice
Interpret financial information for others.
#18950 · Core · 50% automatable
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
decision support — Financial plans drafted; fiduciary accountability human
Develop financial plans for clients.
#18941 · Supplemental · 32% automatable
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.
interpersonal — Dispute settlement needs live facilitation and authority
Negotiate agreements to resolve disputes.
#18949 · Supplemental · 50% automatable
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
decision support — Financial plans drafted; fiduciary accountability human
Develop financial plans for clients.
#18951 · Supplemental · 60% automatable
Disburse funds from client accounts to creditors.
data analysis — Disbursement rules applied; fiduciary oversight human
Disburse funds from clients accounts to creditors.
#18954 · Supplemental · 65% automatable
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
data analysis — Examines records for anomalies; human validates findings
Examine financial records.
Embed this calculator on your site ↓
Bloggers & authors: Embed this interactive calculator directly in your articles or comparison guides. It loads dynamically via a responsive iframe (auto-resizing to prevent double scrollbars) and provides a direct, high-value tool for your audience.
<div class="giniloh-calculator-embed" data-calculator="credit-counselors"></div>
<script src="https://giniloh.com/embed.js" async></script> Method
How this was scored
- 1. Tasks. O*NET task statements for this occupation, from a release whose newest record is dated 08/2026.
- 2. Work activities. Each task maps to 1–5 Detailed Work Activities; each activity belongs to one of 41 Generalized Work Activities that O*NET rates for importance (1–5) in this occupation.
- 3. Automation potential. Every work activity carries one score for how far current AI can perform it end-to-end. Tasks inherit the mean of their activities.
- 4. Weighting. Task weight = 0.35 + 0.65 × (importance − 1)/4, scaled by how often the task is performed and by 0.7 for Supplemental tasks. Importance is the task's own O*NET rating where it exists (18,369 of 18,838 tasks); the rest inherit their work activities' importance. The index is the weighted mean.
Check: across the 910 occupations where O*NET also rates how far machine speed sets the pace, this index moves opposite to it (Spearman ρ = -0.49). The more a job is paced by equipment, the less of its task content AI can address — the relationship you would expect if the scoring is working.
Sources · O*NET 31.0 (task records to 08/2026) · BLS OEWS May 2025 · BLS projections 2025-2035 · rubric v2.1 · tasks for O*NET, not a forecast
See the full method →Related Article
Best AI Proof Jobs in a Changing Market
Worried robots are coming for your paycheck? You’re not alone—but the real story is far more hopeful. This guide cuts through the scare headlines to reveal exactly where smart, sustainable career opportunities exist right now. We’ve curated a list of true ai proof jobs—roles in healthcare, skilled trades, and cybersecurity that not only survive automation but thrive because of human judgment and empathy. You’ll get specific, money-making data on projected growth (the BLS says wind turbine technicians, for instance, will grow 44% by 2032), real salary ranges from active job listings, and a simple self-assessment quiz to identify your own most resilient path. Plus, we name companies hiring today and the niche job boards they use. Stop worrying and start planning—your secure career is closer than you think.
Read Article ->