Pay · 13-2071
Credit Counselors earn $52,230 a year at the midpoint
The middle of the pay scale for credit counselors is $52,230. A typical start is nearer $45,720; the top tenth earn about $80,440.
National figures for credit counselors, 13-2071, from the 2025 Occupational Employment and Wage Statistics survey.
- Read the spread, not the middle. The median is the midpoint across everyone in the occupation, most of them years into the work. A beginner starts nearer the 10th to 25th percentile, which is why the spread is published alongside it.
- What the figure counts. The figure counts base pay plus tips, commissions and production bonuses. It leaves out the self-employed, unpaid family workers, private household workers, and the value of benefits or profit sharing.
- The annual figure is arithmetic. For hourly occupations the annual figure is the hourly rate times 2080 hours. It is a calculation, not observed earnings: part time is the norm in retail and food service.
- Where you live moves it more than your resume does. National figures. A state or metro area can sit far from the national number, and that gap is usually larger than any difference a resume makes.
- Not in these numbers. Growth and annual openings are not in this dataset. They come from the separate Employment Projections tables, where an opening is a modelled ten year average and not a posted vacancy.
Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, 2025. Retrieved through the BLS Public Data API on 2026-08-13. bls.gov/oes “BLS.gov cannot vouch for the data or analyses derived from these data after the data have been retrieved from BLS.gov.”
Credit counselor earnings, from starting pay to the best-paid 10%
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Resumes for credit counselors
Name the job in the builder and the duties, skills and credentials it is screened on are written in for you.
- Created debt management plans, spending plans, or budgets to assist clients to meet financial goals.
- Assessed clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
- Calculated clients' available monthly income to meet debt obligations.
This page includes information from the O*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license. O*NET® is a trademark of USDOL/ETA. The owner of tiersi.com has modified all or some of this information. USDOL/ETA has not approved, endorsed, or tested these modifications.
No. 484 of 788 by median pay
Better paid than 39% of the occupations in the survey.
- 482 Jewelers and Precious Stone and Metal Workers $52,540
- 483 Cargo and Freight Agents $52,260
- 484 Credit Counselors $52,230
- 485 Paperhangers $52,140
- 486 Food Science Technicians $52,130
Credit counselor wages in each state
The 41 states where the most people do this work, of 46 with a published figure: their medians range by 1.73 times. Figures are the 2025 survey.
| State | Median a year | Where most start | 10th to 90th | Employed |
|---|---|---|---|---|
| California | $67,120 | $47,260 | $47,260 — $98,520 | 2,160 |
| Georgia | $64,080 | $44,660 | $44,660 — $64,080 | 460 |
| District of Columbia | $63,580 | $52,080 | $52,080 — $100,370 | 110 |
| Massachusetts | $63,240 | $44,730 | $44,730 — $94,110 | 770 |
| New York | $63,030 | $48,720 | $48,720 — $100,720 | 2,020 |
| Nebraska | $62,510 | $44,550 | $44,550 — $95,270 | 260 |
| Washington | $62,360 | $47,920 | $47,920 — $82,950 | 560 |
| Minnesota | $62,160 | $47,110 | $47,110 — $74,140 | 580 |
| Maryland | $60,450 | $45,960 | $45,960 — $81,720 | 350 |
| Oregon | $59,150 | $46,300 | $46,300 — $81,990 | 280 |
| New Hampshire | $58,830 | $41,100 | $41,100 — $76,370 | 170 |
| Rhode Island | $58,480 | $48,890 | $48,890 — $79,770 | 130 |
| Pennsylvania | $58,330 | $41,100 | $41,100 — $82,190 | 1,110 |
| New Jersey | $57,180 | $40,440 | $40,440 — $75,740 | 530 |
| Colorado | $57,130 | $45,460 | $45,460 — $80,320 | 360 |
| Maine | $55,490 | $43,980 | $43,980 — $76,700 | 170 |
| Nevada | $55,480 | $44,440 | $44,440 — $75,850 | 170 |
| Connecticut | $54,710 | $43,660 | $43,660 — $82,740 | 100 |
| South Carolina | $53,190 | $38,960 | $38,960 — $64,550 | 250 |
| Delaware | $52,840 | $47,150 | $47,150 — $86,670 | 40 |
| Michigan | $52,160 | $39,440 | $39,440 — $77,970 | 1,260 |
| Wisconsin | $52,140 | $44,950 | $44,950 — $77,310 | 770 |
| Illinois | $51,930 | $39,620 | $39,620 — $78,990 | 1,170 |
| Virginia | $51,550 | $40,930 | $40,930 — $70,200 | 760 |
| Arizona | $51,480 | $43,580 | $43,580 — $66,480 | 980 |
| Utah | $51,330 | $40,850 | $40,850 — $133,970 | 190 |
| Ohio | $51,160 | $43,520 | $43,520 — $86,160 | 890 |
| Idaho | $51,130 | $41,270 | $41,270 — $76,430 | 90 |
| New Mexico | $50,390 | $41,850 | $41,850 — $81,480 | 200 |
| Texas | $48,220 | $36,120 | $36,120 — $66,750 | 3,950 |
| Indiana | $48,180 | $37,840 | $37,840 — $60,510 | 740 |
| Kentucky | $48,150 | $37,360 | $37,360 — $74,210 | 220 |
| Iowa | $48,130 | $38,630 | $38,630 — $60,070 | 440 |
| Louisiana | $47,250 | $38,570 | $38,570 — $60,810 | 130 |
| Oklahoma | $46,950 | $38,120 | $38,120 — $67,750 | 230 |
| Florida | $46,300 | $38,140 | $38,140 — $67,120 | 2,410 |
| North Carolina | $46,180 | $31,210 | $31,210 — $76,940 | 320 |
| Mississippi | $45,990 | $32,020 | $32,020 — $57,700 | 210 |
| West Virginia | $45,860 | $37,390 | $37,390 — $49,400 | 150 |
| Arkansas | $45,060 | $35,000 | $35,000 — $62,770 | 50 |
| Tennessee | $38,730 | $31,200 | $31,200 — $105,140 | 950 |
Credit counselor pay rate, hourly to yearly
Starts at this job’s median. Change the rate or the hours; a full-time year is 40 hours for 52 weeks.
Examples
Resumes written for this line of work.
Real sheets, filled in end to end — for this job and the ones beside it.
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Questions people often ask
What is a credit counselor’s yearly income?
A credit counselor makes a median of $52,230 a year (2025 survey). The middle half earn between $45,720 and $64,080.
What is a credit counselor’s hourly pay rate?
The median pay rate is $25.11 an hour; the average is $57,210 a year.
What is the starting pay for a credit counselor?
Starting pay is usually near the 25th percentile, $45,720 a year, and sometimes as low as the 10th, $38,350.
Which state pays credit counselors the most?
California, with a median of $67,120 a year.
How many people work as credit counselors?
About 27,770 in the United States — number 484 of 788 occupations by median pay.
Jobs that pay about the same
Median pay within $230 of what credit counselors earn — $52,230 a year — but not always the same spread.
- $90 less Paperhangers $52,140median a year 10th percentile: $36,020 90th percentile: $69,050
- $100 less Food Science Technicians $52,130median a year 10th percentile: $39,820 90th percentile: $78,820
- $230 less Recreational Vehicle Service Technicians $52,000median a year 10th percentile: $36,120 90th percentile: $77,960