Credit Counselors: Salary, Education, and Career Path (2026)
The U.S. has 28,110 credit counselors, and they earn a median of $50,480/year. The range runs from $39K to $78K. California pays the most.
What it takes
The BLS lists the typical education for this role as varies by employer.
Entry-level credit counselors start around $39K. The gap between that and the median ($50K) is where experience, certifications, and location make the difference.
Top earners clear $78K, but that's the 90th percentile. Getting there usually takes a decade or more of experience, the right credentials, and being in a high-paying market.
Salary progression
Highest paying states
| State | Median salary | Employment |
|---|---|---|
| California | $66K | 2,160 |
| New Jersey | $63K | 460 |
| New York | $62K | 1,760 |
| Massachusetts | $62K | 930 |
| District of Columbia | $62K | 130 |
| Washington | $61K | 250 |
| Oregon | $59K | 200 |
| Minnesota | $59K | 590 |
| Maryland | $58K | 320 |
| Rhode Island | $58K | 120 |
Frequently asked questions
How much does a credit counselors make?▼
The median credit counselors salary in the United States is $50,480 per year ($24/hour). Entry-level positions start around $38,980, while experienced professionals earn up to $77,920.
What education do you need to become a credit counselors?▼
The BLS lists the typical entry-level education as varies by employer. State licensing or certification requirements vary, so check your state's board for specifics.
What is the job outlook for credit counselors?▼
Check the Bureau of Labor Statistics Occupational Outlook Handbook for the latest employment projections for credit counselors.
What are the highest paying states for credit counselors?▼
The highest paying states for credit counselors are California ($65,820), New Jersey ($63,330), New York ($62,090), Massachusetts ($62,060), District of Columbia ($61,810). Salaries vary significantly by location due to cost of living and local demand.