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A debtor education course by an approved provider should include information on developing a budget, managing money, and using credit wisely. Like pre-filing counseling, debtor education can take place in person, on the phone, or online. The education session might last longer than the pre-filing counseling — about two hours — and the fee is between $50 and $100. As with pre-filing counseling, if you can’t afford the session fee, ask the debtor education provider to waive it. Check the list of approved debtor education providers online or at the bankruptcy clerk’s office in your district.

Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling. Check the U.S. Trustee’s website to be sure that you receive the certificate from a debtor education provider that is approved in the judicial district where you filed for bankruptcy. Unless the debtor education provider told you there’s a fee for the certificate before the education session begins, you can’t be charged an extra fee for it.

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