Certified Credit Counselor (CCC)

The Certified Credit Counselor (CCC) program is a distinguished certification meticulously designed to equip individuals with advanced knowledge and expertise in the field of credit counseling. Credit counseling plays a vital role in helping individuals and families manage their finances, reduce debt, and achieve financial stability. The CCC program offers a comprehensive curriculum that covers credit counseling fundamentals, debt management, budgeting, financial education, and ethical standards, ensuring that graduates are well-prepared to provide expert guidance to clients facing financial challenges.

Certification Program Objectives:

Upon completing the Certified Credit Counselor (CCC) program, participants will be able to:

  • Master Credit Counseling Fundamentals: Develop a deep understanding of foundational credit counseling principles, concepts, and ethical considerations.
  • Provide Effective Debt Management: Proficiently assess clients’ financial situations, create debt management plans, and negotiate with creditors.
  • Promote Sound Financial Practices: Educate clients on budgeting, savings, and responsible financial behaviors to achieve long-term financial goals.
  • Offer Ethical and Compassionate Counseling: Provide empathetic and ethical credit counseling services that prioritize clients’ financial well-being.
  • Navigate Regulatory Compliance: Ensure compliance with industry regulations and ethical standards in credit counseling.
  • Enhance Financial Literacy: Equip clients with the knowledge and skills needed to make informed financial decisions.

Certification Requirements:

  • Bachelor’s Degree


  • 2 – 5 years of relevant work experience

Certifying Examination:

  • To be certified as CCC, student should take up a 1.5 hours online exam conducted by AIBM.
  • The qualifying exam would consist of 50 multiple choice questions, testing core certification modules.
  • Professionals with relevant experience and other qualifying criteria may be exempted from the examination.

Certification Modules:

  • Module 1: Introduction to Credit Counseling
  • Module 2: Financial Counseling Techniques
  • Module 3: Debt Management Strategies
  • Module 4: Credit Report Analysis
  • Module 5: Budgeting and Financial Planning
  • Module 6: Regulatory Compliance and Ethics

* The modules of the certification are constantly updated and are subject to change.

Who Should Do This Certification:

Certified Credit Counselor (CCC) certification is highly beneficial for professionals across various roles and industries, including:

  • Credit Counselors: Those already in credit counseling roles, seeking to enhance their knowledge and skills for career advancement.
  • Financial Advisors: Professionals interested in specializing in credit counseling to assist clients in managing debt and achieving financial stability.
  • Aspiring Credit Counselors: Students and individuals looking to enter the field of credit counseling and acquire foundational knowledge.
  • Small Business Owners: Entrepreneurs and business owners interested in offering credit counseling services within their organizations.
  • Community and Nonprofit Organizations: Professionals working in community and nonprofit organizations that provide financial counseling services to underserved populations.

Embark on the journey of achieving the CCC certification to refine your credit counseling skills, provide valuable financial guidance, and contribute to the financial well-being of individuals and families in today’s complex financial environment.