Credit Counseling & Debtor Education Information

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.
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 below.
Credit Counseling
Debtor Education

Quality Service Review [PDF - 91 KB]

Privacy Act Statement for Credit Counseling [PDF - 33 KB]

Privacy Act Statement for Debtor Education [PDF - 33 KB]

Important Notices

June 5, 2020

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 December 31, 2022.



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



Judicial Districts:
Locate Your Judicial District


Report Complaints:
Complaints? Contact Us:

Updated July 9, 2021

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