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How do I become a credit counselor?

Our Counselor Certification Program is only available to employees of NFCC member agencies.

To become a Certified Consumer Credit Counselor, you’ll need to demonstrate an understanding of the theories, principles, issues, counseling techniques and forms applicable to credit and financial counseling by passing the counselor certification exam. The counselor certification exam covers the following subjects:

  • Basic counseling principles
  • Budgeting
  • Credit
  • Collections and debt management
  • Consumer rights and responsibilities
  • Bankruptcy

To maintain certification, the counselor must obtain a minimum of 20 Professional Development Units (PDUs) every two years. PDUs are accumulated through such activities as direct counseling, association memberships, attendance at workshops and conferences, teaching, publishing and research activities.