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Job outlook for credit counselors in the United States
Credit counselor job growth summary. After extensive research, interviews, and analysis, Zippia's data science team found that:
The projected credit counselor job growth rate is -8% from 2018-2028.
About -17,500 new jobs for credit counselors are projected over the next decade.
Credit counselor salaries have increased 4% for credit counselors in the last 5 years.
There are over 4,290 credit counselors currently employed in the United States.
There are 32,221 active credit counselor job openings in the US.
The average credit counselor salary is $40,227.
Are credit counselor jobs in demand?
Credit counselor job and salary trends over time
Credit counselor jobs over time
Credit counselor job growth rate over time
| Year | # of jobs | % of population |
|---|---|---|
| 2021 | 4,290 | 0.00% |
| 2020 | 4,226 | 0.00% |
| 2019 | 4,410 | 0.00% |
| 2018 | 4,909 | 0.00% |
| 2017 | 4,931 | 0.00% |
Average credit counselor salary over time
Credit counselor salary by year
| Year | Avg. salary | Hourly rate | % Change |
|---|---|---|---|
| 2025 | $40,227 | $19.34 | +0.5% |
| 2024 | $40,035 | $19.25 | +1.7% |
| 2023 | $39,364 | $18.93 | +1.1% |
| 2022 | $38,955 | $18.73 | +0.7% |
| 2021 | $38,667 | $18.59 | +1.2% |
Credit counselor jobs by state
Most common states for credit counselors
| Rank | State | Population | # of jobs | Employment/ 1000ppl |
|---|---|---|---|---|
| 1 | District of Columbia | 693,972 | 70 | 10% |
| 2 | Delaware | 961,939 | 70 | 7% |
| 3 | Connecticut | 3,588,184 | 199 | 6% |
| 4 | Montana | 1,050,493 | 68 | 6% |
| 5 | Alaska | 739,795 | 42 | 6% |
| 6 | Pennsylvania | 12,805,537 | 652 | 5% |
| 7 | Arizona | 7,016,270 | 353 | 5% |
| 8 | Washington | 7,405,743 | 346 | 5% |
| 9 | Maryland | 6,052,177 | 283 | 5% |
| 10 | North Dakota | 755,393 | 41 | 5% |
| 11 | Wyoming | 579,315 | 31 | 5% |
| 12 | New York | 19,849,399 | 776 | 4% |
| 13 | New Jersey | 9,005,644 | 386 | 4% |
| 14 | South Carolina | 5,024,369 | 177 | 4% |
| 15 | Oregon | 4,142,776 | 162 | 4% |
| 16 | New Hampshire | 1,342,795 | 60 | 4% |
| 17 | Maine | 1,335,907 | 51 | 4% |
| 18 | Rhode Island | 1,059,639 | 43 | 4% |
| 19 | South Dakota | 869,666 | 35 | 4% |
| 20 | Vermont | 623,657 | 26 | 4% |
Most common cities for credit counselors
| Rank | City | # of jobs | Employment/ 1000ppl | Avg. salary |
|---|---|---|---|---|
| 1 | Winter Springs | 1 | 3% | $29,026 |
| 2 | Farmington Hills | 1 | 1% | $32,771 |
| 3 | Portland | 1 | 1% | $42,464 |
| 4 | Wilmington | 1 | 1% | $49,039 |
| 5 | Chicago | 1 | 0% | $35,612 |
| 6 | Washington | 1 | 0% | $46,591 |
Credit Counselor job outlook: Expert opinions
Our panel of credit counselor experts
Louisiana State University at Shreveport
Virginia Polytechnic Institute and State University
Lubbock Christian University
Angelo State University
What will help Credit Counselors increase their earning potential?
Emily Yowell Ph.D.: Psychologists should be aware of what others in their field are making for similar positions. It is important to ask for what your work is worth in an initial position to assure raises are based on a solid starting salary. Newer psychologists may also consider asking for an early review that prompts an early conversation around potential raises, bonus, or other job benefits.
Kacie Blalock Ph.D.
Associate Professor; Director, Master of CounselingLouisiana State University at Shreveport
Department Of Psychology
What hard/technical skills are most important for Credit Counselors?
Kacie Blalock Ph.D.: It is important that counselors are able to effectively take notes and summarize progress, interpret assessments, memorize and recall information, and keep clear yet concise records.
What type of skills will young Credit Counselors need?
Dr. Thomas Dearden Ph.D.: Indeed, the way we work is changing. The skills that young graduates will need are diverse. Transferable skills and soft skills will certainly be marketable. These include traditional crafts such as communication, but I also think the world expects more empathy from its employees. Young graduates with an understanding of racism, sexism, and environmental responsibility will become increasingly important.
Chris Hennington Ph.D.
School Counseling Program CoordinatorLubbock Christian University
Department of Graduate Psychology and Counseling
Are there any particularly good places in the United States for Credit Counselors to find work opportunities?
Chris Hennington Ph.D.: Small, rural areas have a high need but, sometimes, lower pay, while large metroplexes pay more, but have more competition for school counseling positions.
Lesley Casarez Ph.D.
Director, Quality Enhancement Plan Program Coordinator, M.S. Professional School Counseling Associate Professor, Curriculum and InstructionAngelo State University
Department of Curriculum and Instruction
What technology do you think will become more important and prevalent for Credit Counselors in the next 3-5 years?
Lesley Casarez Ph.D.: Graduates will need to learn to use technology in which virtual platforms are taking place and web conferencing platforms. Numerous platforms are being used, so the particular platform itself is not as crucial as being well-versed in how virtual education differs from face-to-face environments. Typically, the instructional role in online learning is more of a facilitator, as the educator guides the students to think critically, integrate, and apply new knowledge. This may be difficult for educators who would rather stand in front of a classroom and pass on their knowledge through lecture-based formats. Additionally, being well-versed in various web conferencing platforms will benefit graduates, as they move into a career that is currently requiring communication in virtual environments.