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Credit Counseling and Debtor Education Providers

Important Information

May 29, 2025 

Federal Register Notices Regarding Renewal of Credit Counseling and Debtor Education Applications: 

As required by the Office of Management and Budget and pursuant to the Paperwork Reduction Act of 1995, the U.S. Trustee Program has published in the Federal Register two Notices of Agency Information Collection Activities. The Notices pertain to the renewal of the form Instructions, Applications and related Appendices used by Nonprofit Budget and Credit Counseling Agencies and Providers of Personal Financial Management Instructional Courses who apply to become authorized agencies or providers. 

Credit Counseling Federal Register Notice dated May 27, 2025 

Debtor Education Federal Register Notice dated May 27, 2025 

December 29, 2022

Updated Applications, Instructions and Appendices for Credit Counseling and Debtor Education have been posted to the United States Trustee Program’s website. Effective immediately, all applicants must use the updated Application and Appendices when applying for approval or re-approval as a credit counseling agency or debtor education provider. The forms are in effect until September 30, 2025.

Judicial Districts:
   Identify Your County's Judicial District

Report Complaints:
   Report Complaint by Email
   202-514-4100

Credit Counseling Final Rule:
EOUST-102 [PDF -690 KB]

Debtor Education Final Rule:
EOUST-104 [PDF -511 KB]

Administrative decisions regarding credit counseling agencies and debtor education providers:
   Credit Counseling Agencies
   Debtor Education Providers

For Consumers
Credit Counseling for Consumers
Debtor Education

The United States Trustee Program does not endorse or recommend any particular credit counseling agency or debtor education provider, or guarantee the quality of its counseling or instructional services.

For Applicants
Credit Counseling
Debtor Education

If you wish to apply for approval to provide nonprofit budget and credit counseling services, and/or post-filing debtor education, please click on the "Application, Instructions, and Appendices" links above.