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Debt advisers provide impartial and confidential information, advice and guidance to people with financial problems.

What does a debt adviser do? Typical employers | Qualifications and training | Key skills

Debt advisers – also known as debt counsellors, money advisers and financial advisers – work with people who are struggling to pay off debt. They help their clients to find ways to repay debt affordably and provide advice on dealing with the impacts of debt. Clients could be struggling to meet their mortgage payments or rent, or have difficulties paying back a loan.

Other responsibilities of the job include:

  • researching cases
  • identifying and discussing appropriate options
  • providing information and expert advice
  • talking with creditors and working out the best repayment plan
  • offering support
  • compiling financial statements
  • preparing/distributing publicity materials and displays
  • attending meetings
  • taking the place of clients in court when asked to do so
  • liaising with other organisations when referring clients on.

Clients may be in crisis situations with complex problems that take time to resolve, so debt advisers need patience and resilience to guide people through these difficult situations. They may work shifts if their employer provides telephone advice.

Typical employers of debt advisers

  • Charities and voluntary organisations
  • Citizens Advice
  • Community centres

Vacancies are usually advertised via local voluntary organisations, community centres, local authorities and private organisations that offer debt advice. You'll also find them via the Citizens Advice, AdviceUK and Charity Job websites.

Qualifications and training required

You don't need a degree to become a debt adviser, but work experience involving supporting people or providing advice will strengthen your application. Look for voluntary work via your university or search online – you could start by finding the website of your local volunteer centre.

Volunteer your way to a graduate job

In this line of work, personality and relevant experience are usually more important than your degree subject, although qualifications in law, counselling, guidance, psychology, education, social/community work, public administration or social sciences can be helpful. Customer service experience and problem-solving skills will also help your application, even if you haven't gained them in this sector.

Key skills for debt advisers

You'll need to be resourceful and good at solving problems. Other useful skills and qualities include:

  • strong communication skills, with the ability to explain clearly through both writing and speaking
  • organisation and the ability to prioritise effectively
  • the ability to think logically
  • a level of skill in numeracy
  • patience and sensitivity
  • the ability to listen carefully and offer support
  • a thoughtful and mature approach.

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This describes content that has been written and edited in close collaboration with the organisation, who has funded the feature; it is advertising. We are committed to upholding our ethical values of transparency and honesty when dealing with students and feel that this is the best way not to deceive consumers of our content. The content will be written by GTI editors, but the organisation will have had input into the messaging, provided knowledge and contributors and approved the content.

In Partnership

This content has been written or sourced by AGCAS, the Association of Graduate Careers Advisory Services, and edited by TARGETjobs as part of a content partnership. AGCAS provides impartial information and guidance resources for higher education student career development and graduate employment professionals.

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