Frequently Asked Questions

What is your mission statement?

Our mission is to enhance the knowledge, skills, and abilities (KSAs) necessary to help clients increase financial literacy, address negative money behaviors, and implement sound financial management.

How long have you been in business?

The National Association of Certified Credit Counselors has been helping people achieve their goals since 1999.

Is my certification good in all 50 states?

The National Association of Certified Credit Counselors certifications are approved in all states that require certification under the Uniform Debt Management Services Act.  We are also recognized by the United States Department of Justice Executive Office of the United States Trustees, the Internal Revenue Service, the Federal Trade Commission, and are approved for veterans training through the Department of Veterans Affairs.  In addition, we are approved by creditors who require counselor certification as well as the credit counseling industry recognizing our status as an objective third-party credentialing organization. The creditors and industry associations have also granted approval of our programs.

How many people have gone through your program?

We currently have thousands of individuals on our national registry of certified counselors.  Many have been recertified multiple times in our years of operation

Can you tell me about your programs?

Our counselor certification programs cover:

  • Essential counseling techniques
  • Financial problem solving
  • Consumer credit
  • Consumer protection legislation
  • The sources and solutions of delinquent debt

Our curriculum is holistic in that it emphasizes not only the financial side of debt-related issues but also the emotional/cognitive aspects related to destructive money behaviors. The program is based on a needs and job analysis conducted by Florida  Tech (one of the top 50 universities  in the country).  Therefore,  it is application-based and enhances counselors ability to help consumers in financial distress.

What is the difference between the programs? Which one is best for me?

The Certified Credit Counselor, Certified Financial Health Counselor, and Debt Settlement Specialist programs share a core curriculum, Keys to Success, which is made up of four modules: 

  1. Counseling and Communication Skills: Including rapport building, listening skills, conducting interviews, and maintaining non-judgmental communication. 
  2. Problem Solving Skills: Includes, as they relate to managing personal finances, gathering information, establishing financial goals, and implementing action plans. 
  3. Consumer Credit: Including how credit works, choosing and using credit cards and loans to your advantage, and understanding credit scoring. 
  4. Dealing with Debt: Includes alternatives for resolving consumer debt. 

Each program also includes industry-specific supplemental materials: 

  1. Credit Counselor program: Credit Counseling Today, explores covers the history of credit counseling, how debt management plans work, and consumer legislation related to the debt management industry. 
  2. Debt Settlement Specialist program: The Power of Negotiation, which explores negotiating techniques and conflict management styles. 
  3. Financial Health Counselor program: Essential Financial Topics, which explores the top three financial goals of most consumers—paying for an education, buying a home, and saving for retirement. 
  4. Student Loan Counselor advanced program: this program explores loan types, repayment options, and payment relief options in addition to loan discharge, rehabilitation, and counseling techniques. 
  5. Housing Counselor advanced program: this program explores obtaining affordable housing to include the homebuying process, credit basics, and financing in addition to counseling skills and ethical training. 
  6. Financial Educator program: this program explores the types of curriculum, audiences, and content necessary to teach financial education. 
  7. Financial and Career Coach advanced program: this program further explores the field of coaching and includes the following supplemental materials: 
  1. Personal Finance, Garman and Forgue
  2. The Art of Speed Reading People, Tieger and Barron-Tieger
  3. Motivational Interviewing, Miller and Rollnick
  4. Emotional Intelligence 2.0, Bradberry and Greaves

We recommend starting with Financial Health Counselor program as a first certification, as completing this will fulfill one of your prerequisites for advanced certifications.  If you already hold the Certified Credit Counselor certification, this will also suffice as a prerequisite for advanced programs.  

What is the process leading to certification?

It is a two-step process you can complete online. Go to www.naccctraining.com and click on the “Certification” link in the top menu bar.  Scroll down to the designation you are interested in.  For each one, you will find a link to enroll.

  • Step One is to fill out the enrollment form and press “Submit”.  We will receive your enrollment. You can pay for the course online, check, or, if you wish, we will take your credit card information over the phone. We send the Independent Study Materials to you via Priority Mail. Also, you will receive a Slide Show Presentation, an interactive Jeopardy-Style Quiz, and a Practice Exam through email attachments.
  • Step Two is to return to the “Certification” page and click “Request Exam”.  Fill this out once you locate a testing site that is convenient to you. Our standards require that all testing for certifications be administered by qualified proctors.  These are normally testing centers at community colleges.  Fill out the proctor information to include the proctor’s name, phone number, and email address.  We will then send the testing packet to the proctor Priority Mail for paper and pencil testing or email the proctor with a URL access code for online testing.
    Once we receive the test materials from the proctor or the score from the online test, we will send your certificate suitable for framing within ten business days.  We can also email a digital certificate if you need it.

How much do the programs cost?

The cost of programs varies depending on which you choose.  The Credit Counselor, Financial Health Counselor, and Debt Settlement Specialist programs are $400; the cost of each program includes an online copy of the core curriculum, and a bound copy of the manual may be ordered for an additional $50.  These three certifications all include the Keys to Success and an industry-specific supplement. 

The Student Loan Counselor program is $350; and the Housing Counselor program is $450.  bound manuals for these certifications may also be ordered for $50. 

We are now offering a Financial Educator certification, which costs $400, $450 with a bound manual.  We have also launched our newest advanced certification, Certified Financial and Career Coach.  This program costs $700, plus a $150 live hour fee.  The bound manual can also be ordered for an additional $50.  Please note that the cost of the Certified Financial and Career Coach does not include the cost for the prerequisite program. 

In addition to the cost of the program, there is also a $50 webcam proctoring fee. 

Is there a deadline for testing?

Yes.  You must take the certification exam within one year of the date of your enrollment. Extentions are possible for extenuating circumstances; for example if a member of the military were not able to test due to deployment additional time would be allowed for review and testing if requested

What if I can't afford the program? Do you offer payment plans?

We understand that the cost of our program can be prohibitive for some, but we prevent the cost of our program being a barrier to your certification.  You may call us at (321)725-3497 to arrange a payment plan that suits your needs. 

How long does it usually take to complete a program?

You have up to a year to study for your exam.  Eacbasic program takes at least 60 hours of time.  Advanced certifications will require more time to complete. 

How do I study the material? Will there be review questions?

The programs offered are self-paced study. Students will receive their material and they have one year from the date of enrollment to take their test.  We want all of our students to succeed, so we do offer review material at the request of the student.  

I'm done studying! What is the process to test?

Congratulations!  When you are done studying and are ready to test, the first step will be finding a proctor.  We offer webcam proctoring for $50, but you may also find proctoring services at your local library or community college.  You will need the information of your proctor to request your exam, and once they are approved, we will send them the test.  You may then schedule a time to test with your proctor.   

The test consists of 100 multiple-choice questions, and you have two hours to complete it.  You will need a 70% or higher on your test to become certified. 

What happens if I didn't pass my test?

We’re sorry to hear that, but we want students to succeed, so you are able to test again.  The cost of re-taking the test is $150.  We recommend that students review all the material before testing again because you must achieve a 70% or higher to be certified. 

How do I maintain my certification?

When you are certified through NACCC, you are entered in a national registry of counselors and are required to complete 16 hours of continuing education units (CEUs) every two years.  We offer many CEUs to best enable clients to maintain up to date education. 

Once you have completed 16 CEUs, you must submit your application for renewal on our website.  You will need to have your certificate number and CEU information handy to do this. 

Do you provide training for groups?

Yes!  For groups of ten or more, we can send a trainer who will present the material in a six or eight-hour seminar.  Ideally, students will have registered for the program and studied the material for at least one month beforehand.  The trainer will present the information on the first day, and administer the exam in person the second day. 

Success rates for students are higher with this format, and the process is streamlined.  Once a year the seminar is offered for anyone enrolled to register.  In addition, we offer webinars periodically.  If you have a group that would like to participate in a webinar, the rate is $150 per hour. 

Contact Heather Aiello if you are interested in a group training at (321) 704-7098.