A designation for professionals who help people overcome financial challenges and develop healthy money management skills. AFC professionals are trained in financial counseling techniques and often work with clients facing debt problems, budgeting challenges, or major life transitions. They combine financial knowledge with counseling skills to help people change their financial behaviors and build better money habits. If you're struggling with debt, need help creating a budget that actually works, or want to understand why you make certain financial decisions, an AFC can provide both practical guidance and emotional support.