Debtor Education Course Online with live customer support 7 days a week by phone, chat, or email!
Debtor Education Course options online or by phone based on your preferred service level.

Debtor Education Course

Through EOUST-approved Agencies*, Start Fresh Today offers the pre-discharge debtor education course. After filing for Chapter 7 or Chapter 13 bankruptcy and completing the Pre-Bankruptcy Credit Counseling, most people will be required to complete the debtor education course before emerging from bankruptcy.

What is a Debtor Education Course?

  • Personal financial management course designed to help you construct a post-bankruptcy plan for financial stability and success (includes tips on budgeting, money management, and using credit wisely)
  • Must be completed after the Pre-Bankruptcy Credit Counseling and prior to discharge
  • 2 hours in length (required by law)

Debtor Education Course Features

  • Online or by telephone, in English or Spanish
  • Course is available online 24/7
  • Electronic delivery of your bankruptcy certificate
  • Live customer support 7 days a week**
  • Ability to stop at any time and resume where you left off
  • Option to access the course indefinitely for future reference

*Offered through EOUST-approved Agencies approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.
** Only available at the Preferred Service Level.

Consumer Corner

Attorney Locator


» How do I find my bankruptcy case number?

Please refer to the paperwork that your attorney supplied to you, or contact your attorney for your case number.

» How do I apply for a fee waiver?

Fee waivers are approved for anyone within 150% of the poverty guidelines. Please email or call customer service for a fee waiver application. Click here for fee waiver instructions and forms.

» Do I have to spend 2 hours in the post-filing course?

Yes. By law, the U.S. Trustee's office requires all debtor students to obtain a minimum of 2 hours of study in a post-filing /Debtor Education/ Financial Management course. Please be aware of the time you spend inside this course so that it reflects the requirement of 2 hours. An educator will review your time log at the completion of the course – if you’ve not fulfilled the time requirement, you may be asked to return to the course to review further.

» All frequently asked questions


"Start Fresh Today has been a great experience for our organization. After only weeks of licensing the agency interface, our credit counselors have been very impressed with the ease of use and improved efficiencies that have made their jobs easier. The consumers are saying, "what a great experience the briefing was". The Start Fresh Today team has been there for us every step of the way with regular training and system customization to meet our organization's needs. With no implementation charges and the low licensing fees, I am only sorry that we did not start using the Start Fresh Today system sooner."

Doug Hammond
Outreach and Programs Director
Alliance Credit Counseling, Inc.

Ready to Start? Call us at 1(800) 435-9138