At a credit-counseling agency, HUD-approved counseling organization, or specialty student-loan-counseling firm, you counsel borrowers on student loans — explaining repayment options, supporting income-driven-repayment enrollment, working through default situations, and the credentialed counseling work behind student-loan support.
Days are a mix of borrower counseling sessions, repayment-plan analysis, and the steady follow-through that student-loan counseling requires — sitting with borrowers on their loan portfolios, modeling repayment-plan options (Standard, Graduated, IBR, PAYE, REPAYE, SAVE, PSLF qualification), supporting loan-rehabilitation work for borrowers in default, helping borrowers navigate servicer interactions. Borrower outcomes, plan-enrollment quality, and case-resolution shape the visible measures.
What gets demanding is the policy-shift volatility — federal student-loan policy shifts with administrations and legislation, and counselors maintain working knowledge across program changes while continuing to serve borrowers under current rules. Variance across employers is wide: nonprofit credit-counseling agencies with student-loan programs run with NFCC-aligned structures; specialty student-loan-counseling firms run with sector focus; financial-aid offices at colleges run with student-borrower focus.
The role tends to fit folks who carry student-loan-policy fluency, comfort with policy-volatility, and the patient educational orientation that borrower work requires. NSLDC, CCC, or comparable credentials anchor advancement. The trade-off is the regulatory-flux dimension of student-loan work and the modest pay typical of consumer-finance counseling.
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View all Business Operations roles →At a credit-counseling agency, HUD-approved counseling organization, or specialty student-loan-counseling firm, you counsel borrowers on student loans — explaining repayment options, supporting income-driven-repayment enrollment, working through default situations, and the credentialed counseling work behind student-loan support.
Median pay for a Student Loan Counselor is about $50K nationally, with the field ranging roughly from $39K to $78K depending on experience, employer, and metro (BLS).
Core skills for this role include Speaking, Active Listening, Reading Comprehension, Critical Thinking, and Writing.
Most people in this role hold a bachelor's degree.
Employment in this field is projected to grow about 3.3% through 2034, with roughly 28,110 people working in it today (BLS).
Closely related roles include Student Activities Director, Senior Student Loan Counselor, and Financial Counselor.
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