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

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

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

Important Notices

November 13, 2019

Revocation of Temporary Waiver of Credit Counseling and Financial Education Requirements for Bankruptcy Filers in the District of the Northern Mariana Islands To Occur Effective May 12, 2020.

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October 28, 2019

Second 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 additional 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 October 15, 2019 [PDF - 497 KB]
Debtor Education Federal Register Notice dated October 15, 2019 [PDF - .98 MB]


September 27, 2019

Revocation of Temporary Waiver of Credit Counseling and Debtor Education Requirements in the Districts of Puerto Rico and the Virgin Islands Due to the Effects of Hurricanes Irma and Maria to Occur Effective March 25, 2020.

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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:
Judicial Districts:
Report Complaints:
Complaints? Contact Us:
Updated November 13, 2019

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