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 \u2014 about two hours \u2014 and the fee is between $50 and $100. As with pre-filing counseling, if you can\u2019t afford the session fee, ask the debtor education provider to waive it. Check the list of approved debtor education providers\u00a0online or at the bankruptcy clerk\u2019s office in your district.\r\n\r\nOnce 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\u2019s 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\u2019s a fee for the certificate before the education session begins, you can\u2019t be charged an extra fee for it.