A qualified credit counselor is an individual who has received specialized training and meets certain requirements to provide guidance, advice, and education on financial management and debt reduction strategies. They typically work for a non-profit credit counseling agency that provides free or low-cost services to individuals and families seeking help with budgeting, managing debts, and improving their overall financial wellbeing. A qualified credit counselor can assist in creating personalized plans to pay off debt, negotiate with creditors on behalf of clients, and provide resources for financial education and improvement.