How Long Does a Debtor Education Course Take?
Articles About Education Courses

How Long Does a Debtor Education Course Take?

Depending on which state you live in, debtor education classes can last 120 minutes or more. The classes may be available online, over the phone, or in person. If you’re unsure of the availability of these classes in your area, contact the office that handles your bankruptcy. The next question is, how long does it cost? And, what are the different options for taking the class? Read on to learn more!

120 minutes

Taking a debtor education course is a necessary part of filing for bankruptcy. The course helps you gain knowledge about your future financial security and gives you strategies to get back on your feet once you have been discharged. In order to complete the course successfully, you must have at least 120 minutes of free time. There are no early-bird discounts on debtor education courses. Regardless of the provider you choose, you must attend a full course within 120 minutes.

The debtor education course must be provided by an approved provider, such as a BE Adviser. These providers are approved by the US Trustee’s office and by the Bankruptcy Administrators in Alabama and North Carolina. The debtor education course is also known as a pre-filing course, financial management course, or bankruptcy court credit counseling. Although there are a number of credit counseling services that offer debtor education courses, these are usually the most expensive options.


A debtor education course is one of the first steps toward regaining financial stability after filing for bankruptcy. These classes are designed to help you develop a positive attitude about money. They can be completed online, over the phone, or in person, and they are offered in a variety of languages. Debtor education classes can cost anywhere from $5 to $50, but many providers offer fee waivers for those who qualify. To determine if you qualify for a fee waiver, visit the U.S. Department of Health and Human Services.

To qualify for a fee reduction, you must attend a debtor education course offered by an agency approved by the U.S. Trustee Office. The provider does not have to be nonprofit, but must offer a sliding-scale payment plan. Most courses last under two hours and do not cost more than $25. A course fee usually includes course materials, unless you choose to receive your course online. In addition, you should consider whether the course provider offers free or low-cost online versions of their courses.


If you’re facing financial hardship and are considering a debtor education course, you can complete it online, by phone, or in person. You can even take a debtor education course in a language other than English. The cost of debtor education courses can range from $5 to $50, but most providers offer fee waivers for applicants who qualify as low-income. If you’re not sure if you qualify, you can visit the U.S. Trustee’s website for a list of approved agencies in your area.

You can find a debtor education course near you through the US Trustee’s website. This site contains a directory of approved debtor education courses and credit counseling providers. Each course is listed, as well as its availability and contact information. However, before you start the course, it’s important to know how much you’ll have to pay. The program is designed to give you the information you need to make a decision on whether debtor education is right for you.


The debtor education course provider must meet federal guidelines and provide free educational services for eligible debtors. In addition, approved debtor education providers must inform the debtor about the services they offer, regardless of their ability to pay. They must also provide the information and start the instructional course without discrimination. The fee for this course is set by the United States Trustee. However, fees may vary between providers. For more information, visit the Federal Trade Commission website.

Bankruptcy law requires debtors to take debtor education courses before being discharged from the court. In most cases, these debtor education courses are provided by consumer education services, Inc., a non-profit organization approved by the Bankruptcy Administrator and Executive Office of U.S. Trustees. In addition, debtor education is often known as a credit counseling course or financial management course.


A debtor education course covers topics such as budgeting, utilizing credit wisely, and protecting your assets. Upon completion, graduates receive a certificate allowing them to file for bankruptcy. It is optional to file the certificate with the court, but many providers will do this for you. Most debtor education courses last approximately two hours. They can be taken in person, over the phone, or online. The fee ranges from $5 to $50, but some providers offer fee waivers to those who qualify. You can find the poverty level in your state by visiting the U.S. Department of Health and Human Services website.

USTP presumes that fees under $50 are reasonable. However, providers with higher fees may submit a request for fee reductions. To determine if the fees charged are reasonable, the USTP considers other factors, such as geographic location, the types of services provided, administrative costs, and alternative funding sources. It is important to remember that a debtor education course cannot provide credit counseling services prior to bankruptcy. It’s best to take credit counseling before bankruptcy.

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