Credit Counselors

Task by task

Each task this job involves, as listed by O*NET, rated on whether a large language model like GPT-4 could cut the time it takes by at least half at the same quality. Tasks marked Seen in real AI use appeared in conversations with Claude in April–May 2026 (Anthropic Economic Index).

• AI can speed this up on its own: 6 (26%)
• AI can speed this up with extra software: 16 (70%)
• Little or no AI speed-up: 1 (4%)

• Calculate clients' available monthly income to meet debt obligations.AI can speed this up on its own · core task
• Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.AI can speed this up on its own · core task · Seen in real AI use
• Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.AI can speed this up on its own · core task · Seen in real AI use
• Estimate time for debt repayment, given amount of debt, interest rates, and available funds.AI can speed this up on its own · core task · Seen in real AI use
• Prepare written documents to establish contracts with or communicate financial recommendations to clients.AI can speed this up on its own · core task · Seen in real AI use
• Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.AI can speed this up on its own · core task · Seen in real AI use
• Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.AI can speed this up with extra software · core task · Seen in real AI use
• 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.AI can speed this up with extra software · core task · Seen in real AI use
• Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.AI can speed this up with extra software · core task · Seen in real AI use
• 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.AI can speed this up with extra software · core task
• Interview clients by telephone or in person to gather financial information.AI can speed this up with extra software · core task · Seen in real AI use
• Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.AI can speed this up with extra software · core task · Seen in real AI use
• Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.AI can speed this up with extra software · core task
• Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.AI can speed this up with extra software · core task · Seen in real AI use
• Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.AI can speed this up with extra software · core task
• Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.AI can speed this up with extra software · core task · Seen in real AI use
• Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.AI can speed this up with extra software · core task
• Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.AI can speed this up with extra software · core task · Seen in real AI use
• Refer clients to social service or community resources for needs beyond those of credit or debt counseling.AI can speed this up with extra software · core task
• Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.AI can speed this up with extra software · core task · Seen in real AI use
• Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.AI can speed this up with extra software · core task
• Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.AI can speed this up with extra software · supplemental task
• Disburse funds from client accounts to creditors.Little or no AI speed-up · supplemental task