The Easiest, Most Affordable Bankruptcy Courses

Over a million people have improved their financial lives with the help of our EOUST-Approved* Bankruptcy Courses, and we can't wait for you to be one of them.

Your Image

Select The Course You Need Today

The Credit Counseling Course

as low as $14.95 / household

Take this course if you have not filed for bankruptcy yet. We review your current financial situation and help you look forward and plan to meet your goals with tools and information that will benefit you regardless of your financial path.

The Debtor Education Course

as low as $9.95 / household

Take this course after you have filed for bankruptcy and you have a case number. We focus on practical money management information and provide you with easy-to-use budgeting resources, worksheets, and resources to keep and use in the future.

Your Image

Over 10,000 Reviews on Trustpilot

Frequently Asked Questions

How long do the courses take?

The online, self-directed portion of the Credit Counseling course takes about 45 minutes. Once you are done with this part, you have a choice between communicating with your counselor via email, chat or phone, with phone being the quickest way to finish up your counseling.

The Debtor Education course is timed to take 2 hours, as required, but you may spend more time if you choose to read the course materials instead of watching the videos.

Can I take the course together with my spouse?

Yes, our system is totally flexible. You can take it together, or separately.

If you take either course together, it is required that both of you are present and participate.

How quickly do I get my certificate?

Credit Counseling Certificates are issued immediately upon course completion. Debtor Education Certificates (2nd Course) are issued within 2 hours of course completion, or via Express Certificate Service.

Do you send the certificate to my lawyer?

Yes, provided that you let us know during the registration process who your attorney is.

We have a very large number of attorneys in our system. You can either enter your attorney's information or select them from our list. This service is FREE.

Do you file my certificate with the court?

It depends.

We cannot file Credit Counseling certificates with the court because the certificate must be filed with your petition to start your case.

If we have an agreement with your attorney to file the post-filing Debtor Education certificate with the court, then we will do so.

If you are filing pro se, we can file your Debtor Education certificate for a modest fee.

Does my information get shared with the court?

No. The bankruptcy court does not have any access to the information you provide.

In exceptional cases, we are required to disclose debtor information to the United States Trustee in connection with the United States Trustee's oversight of Summit Financial Education, or during the investigation of complaints, during on-site visits, or during quality of service reviews.

Will this affect my credit score?

No. There is no reporting of the completion of this course to any credit bureau.

Service Built Around Your Needs

Your Image

Real People

The friendliest counselors and staff you can find! We are a dedicated team and a well-oiled machine, here to ensure your success.

Your Image

English or Spanish

Both courses, as well as counseling and customer support, are available in both English and Spanish at all times.

Your Image

High Quality - Low Price

Service is what sets us apart, but we strive to offer the lowest prices we can, to help you meet your course requirements affordably.

Your Image

Free Resources

All worksheets and course materials are yours FREE, forever. You retain access to the course at no additional cost.

Your Image


Your certificate is emailed to you and your attorney for FREE. No extra charge for sending it to your lawyer.

Your Image

Anytime, anywhere

We are open 7 days a week. Our courses are available in every state, with the exception of Alabama and North Carolina.

Get Started With A Click

* Approval does not endorse or assure the quality of a Provider's services.