Credit Counselors
Business and Financial Operations Occupations- O*NET-SOC 代码
- 13-2071.00
Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.
职业名称和任务陈述按其发布时的英文原文显示。标签（包括任务类型）为译文。
AI暴露度
- 数据来源: BLS发布时间: 2026-08
很高· 相对
低四级相对区间很高职业群单位数值
尺度 · 母数 · 来源
四级相对类别（低 / 中等 / 高 / 很高）
以BLS就业预测表中831个细分职业为基数。取值按 NEM（全国就业矩阵）代码给定，因此共用同一 NEM 代码的职业得到相同分档
- 数据来源: Anthropic发布时间: 2026-03
0.234
0.000此处所载数值的范围0.745尺度 · 母数 · 来源
- 数据来源: ILO发布时间: 2025
0.60
0.09此处所载数值的范围0.70职业群单位数值
尺度 · 母数 · 来源
生成式AI暴露度指数，按发布原值0–1
按 ISCO-08 细类（4 位）发布的数值。按原样应用美国劳工统计局（BLS）的官方对照表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）关联到本职业，对应关系为全部或部分对应
该来源发布的是什么性质的数值
BLS的类别是相对排位而非绝对水平，也不是一手测量：它把多项已发表研究给出的职业百分位排名归并为四个等级。它不是就业或工资预测，不是采用概率，也不区分自动化与增强。
AI 暴露度（OpenAI 评分标准）
已评分任务 23 项 · β ≥ 0.5 的任务 22 项（95.7%）
β = 直接暴露（E1）+ 0.5 × 借助工具时的暴露（E2），依据原始代码库的定义。
- 原始单位：O*NET 27.2 任务 → O*NET 31.0 职业代码
- 所有已评分任务均在 O*NET 31.0 任务列表中。
- 来源
- OpenAI "GPTs are GPTs" exposure rubric
- 版本
- gh-main-0471612
- 许可
- MIT License, Copyright (c) 2024 OpenAI
任务
来自 O*NET® 31.0 Database 的任务陈述，核心任务在前。
| 任务 | 类型 | β（OpenAI） |
|---|---|---|
| Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat. | 核心 | 0.5 |
| Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information. | 核心 | 0.5 |
| Calculate clients' available monthly income to meet debt obligations. | 核心 | 1 |
| Create debt management plans, spending plans, or budgets to assist clients to meet financial goals. | 核心 | 0.5 |
| Estimate time for debt repayment, given amount of debt, interest rates, and available funds. | 核心 | 1 |
| Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies. | 核心 | 1 |
| Interview clients by telephone or in person to gather financial information. | 核心 | 0.5 |
| Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries. | 核心 | 0.5 |
| Prepare written documents to establish contracts with or communicate financial recommendations to clients. | 核心 | 1 |
| 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. | 核心 | 0.5 |
| Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit. | 核心 | 0.5 |
| 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. | 核心 | 0.5 |
| Refer clients to social service or community resources for needs beyond those of credit or debt counseling. | 核心 | 0.5 |
| Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed. | 核心 | 0.5 |
| Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention. | 核心 | 0.5 |
| Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs. | 核心 | 0.5 |
| Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions. | 核心 | 1 |
| Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions. | 核心 | 1 |
| Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy. | 核心 | 0.5 |
| Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans. | 补充 | 0.5 |
| Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments. | 补充 | 0.5 |
| Disburse funds from client accounts to creditors. | 补充 | 0 |
| Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems. | 补充 | 0.5 |
职业信息
来源与署名
This page includes information from the O*NET® 31.0 Database (https://www.onetcenter.org/database.html) by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA). Used under the CC BY 4.0 license (https://creativecommons.org/licenses/by/4.0/). O*NET® is a trademark of USDOL/ETA. AI Changing Work has modified all or some of this information: the O*NET-SOC code, title and task statements are reproduced in English without change; task-type labels are shown in the page's language and tasks are listed core first; any Korean occupation title shown on the Korean-language page is AI Changing Work's translation; any KSCO-8 unit groups linked to this occupation were paired with it by AI Changing Work's judgment, and the relation labels and statuses are AI Changing Work's additions. USDOL/ETA has not approved, endorsed, or tested these modifications.
Any AI exposure figures on this page are published by third parties, not by AI Changing Work, and none is part of the O*NET information. OpenAI publishes task-level scores (MIT License) for O*NET 27.2 task statements; each is shown next to the O*NET 31.0 task statement with the same task ID, whose wording can differ from the 27.2 statement that was scored. OpenAI also publishes occupation-level scores for O*NET-SOC codes in the same release, and any such score is shown on the O*NET occupation with the same code. Anthropic publishes an observed exposure index in the Anthropic Economic Index (CC-BY), and the U.S. Bureau of Labor Statistics publishes relative AI exposure categories (public domain); both are published per SOC code, and each value is shown on every O*NET occupation with that code. The International Labour Organization publishes a generative AI exposure index in ILO Working Paper 140 (CC BY 4.0) for ISCO-08 unit groups; AI Changing Work links those groups to O*NET occupations by applying the U.S. Bureau of Labor Statistics ISCO-08 to 2010 SOC and 2010 SOC to 2018 SOC crosswalks as published, without case-by-case selection, and these crosswalks match many groups only in part. Where several unit groups are linked, each group's published value is listed, and any summary shows only the lowest and highest of those values with the number of groups; no exposure figure is averaged or recalculated. Any employment figures are published by the U.S. Bureau of Labor Statistics for the SOC group containing this occupation. Each source is credited where its figures are shown.
O*NET OnLine: 13-2071.00 Credit Counselors
KSCO 코드·명칭: 한국표준직업분류(제8차 개정) — 통계청 고시 제2024-328호 (2024-07-01 고시, 2025-01-01 시행). 저작권법 제7조 제2호의 고시 항목이다. 명칭 표기(가운뎃점·띄어쓰기)는 해설서 2차 정오 반영판의 표기를 따랐으며, 고시 항목표와는 18개 명칭에서 가운뎃점 글리프나 띄어쓰기만 다르다. 통계청은 2025년 10월 국가데이터처로 개편되었다. 이 페이지의 KSCO 연결은 통계청·국가데이터처의 공식 연계표가 아니다.