AI exposure Business and financial operations
Will AI replace credit counselors?
Credit Counselors. US occupation 13-2071.
The reading
23.4%
of the time credit counselors spend on their work goes on tasks where AI is already being used to do that work.of credit counselors' working hours go on tasks AI has already started taking off their plate.
Ranked 100 of 756 US occupations. More exposed than 86% of them.Further along than 86% of them.
Per cent of working time Square-law scale
Average US job 7.7%
Well above the typical job.Ahead of most of the workforce.
What AI already does for credit counselorsWhat credit counselors no longer do alone
O*NET lists 23 tasks for credit counselors. AI use at work shows up in 4 of them. Each score runs from 0.5, where every observed use helps a person with the task, to 1, where every use does the task outright.
- Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.Core task mostly automated 1.00
- Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.Core task mostly automated 0.94
- 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.Core task mostly automated 0.90
- Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.Core task automated and assisted 0.80
What it does not touch, yetWhat still needs a human
19 of the 23 tasks show no AI use at work in the data.
- Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.Core task
- Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.Core task
- Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.Core task
- Calculate clients' available monthly income to meet debt obligations.Core task
- Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.Core task
- Estimate time for debt repayment, given amount of debt, interest rates, and available funds.Core task
Show the other 13
- Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.Core task
- Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.Core task
- Interview clients by telephone or in person to gather financial information.Core task
- Prepare written documents to establish contracts with or communicate financial recommendations to clients.Core task
- 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.Core task
- Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.Core task
- Refer clients to social service or community resources for needs beyond those of credit or debt counseling.Core task
- Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.Core task
- Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.Core task
- Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
- Disburse funds from client accounts to creditors.
- Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
- Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.
How that compares
Among the 29 business and financial operations occupations, credit counselors rank 9. The group averages 17.7%, and its most exposed job is Market Research Analysts and Marketing Specialists at 64.8%. The average US occupation sits at 7.7%.
Just above in the ranking
- 97Computer Science Teachers, Postsecondary 24.1%
- 98Foreign Language and Literature Teachers, Postsecondary 24.0%
- 99Word Processors and Typists 23.8%
Just below
What this does and does not mean
Exposure is observed use, not a forecast. Anthropic maps work conversations with Claude onto the tasks O*NET lists for each job and asks, of the tasks AI could speed up, which are actually being used for at work. A use that does the task outright counts in full and a use that assists a person counts half. The task scores are averaged into the occupation figure by the share of time spent on each task.
A high figure means AI is already part of how this work gets done. It does not mean anyone has been replaced. Anthropic's own reading of the labour market finds no systematic rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting exposed jobs.No measurable rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting these jobs. Gap years for everyone. Labor market impacts, 5 March 2026.
Task list and titles from O*NET 31.0 by the US Department of Labor, Employment and Training Administration, used under the CC BY 4.0 licence. Scores from the Anthropic Economic Index (CC BY). Checked 1 November 2026. How the ranking works.