A credit counselor is a professional who helps individuals manage their debt and improve their financial situation. They provide guidance on budgeting, debt repayment strategies, and credit management. Credit counselors often work for non-profit organizations and can offer free or low-cost services to those in need. During a counseling session, a credit counselor may review a client's financial situation, including income, expenses, and debts. They can help create a personalized plan to reduce debt and improve credit scores. Additionally, they may offer education on topics like credit reports, credit scores, and financial literacy.