Online Personal Financial Management (Debtor Education) Bankruptcy Course

Van Education Center is approved by the U.S. Department of Justice United States Trustees for Regions 1 through 21 (Provider #08162) to issue certificates evidencing completion of a Personal Financial Management (Debtor Education) instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.

Who Should Take This Course?

Anyone filing for bankruptcy is required by law to show evidence of completion of debtor education after you file for bankruptcy - but before your debts are discharged.

Pre-requisites: This is the second course required for bankruptcy filing. Prior to taking this course you are required to undergo approved Credit Counseling. You will also need a bankruptcy case number prior to receiving your completion certificate.

Note: This course is not valid in the state of Oregon.


The Personal Financial Management course is designed to accomplish three primary objectives:

What Information Do I Need To Take the Course?

The student should have information on their gross income, net income (check amount after taxes), and their monthly expenses. If you have this information available prior to starting the course it will save time in the course.

The cost of this course is $29. This course is offered to debtor students without regard to a debtor student's ability to pay. (See DHHS poverty level guidelines). Students unable to make payment need only to request the fee waiver code and it will be given for this course.

This course is available online at any time. Instructors (CDEI and DPOS certified) are available to answer your questions Monday through Friday from 9am - 5pm Mountain time. This class is not recommended for students with limited English proficiency.

Van Education Center does not pay or receive fees or other consideration for the referral of debtor students to or by the provider.

There is no time limit associated with completing the course. However, once payment is made there is no refund available. If the course is not completed within six months the student will be converted to inactive status. A call to our office will be required to reinstate the account.

Students will be provided a certificate only after successful completion of all course material and assessments. Please note: Debtor information may be disclosed to the Executive Office for U.S. Trustees (EOUST).

EOUST has reviewed only the provider’s instructional services and no other services this provider may offer.


Van Education Center retains all of the information provided by our students in the strictest of confidence. Your information will not be made available to any third parties. Questions associated with confidentiality should be directed to VanEd at (800) 455-8348.

Course Description

As the student is working through the course material, they will be building a personal financial plan. This plan will be summarized on one page and available to the student at the conclusion of the course. Other topics addressed in the course include wise use of credit and consumer information related to credit.

There are no books associated with this course. All material is available online.

Course Outline Introduction
Budget Development
    -Setting Goals
    -Monthly Income
    -Monthly Expenses
    -Budgeting Exercise
Money Management
    -Keeping Records
    -Decision Making
Wise Use of Credit
    -Types of Credit
    -Warning Signs
    -Appropriate Use
    -Credit Rating
Consumer Information
    -Consumer Protection
Checkbook Reconciliation
    -The Register
    -Reconciliation Process
    -Reconciliation Exercise

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