Amy Carst is a writer, human rights activist, and speaker. She has written for US News & World Reports, Vice, and various Vermont news publications. She writes for multiple law firms and human rights organizations and studied law until she realized she’d rather write for attorneys than be one. Prior to her career in legal writing, Amy spent several years in insurance and finance. She lives in Vermont with three children and a pit bull called Chompsky.
Articles written by Amy Carst
Debtor Education/Personal Financial Management Course Explained
Written by Amy Carst. Legally reviewed by Attorney Andrea Wimmer
Updated October 9, 2025
You must take two required courses to file bankruptcy and get your debts discharged. The second course is a personal financial management course, also called the debtor education course. You need to take it and file the certificate of completion with the court within 60 days of your meeting with your trustee. The course teaches skills to help you budget and avoid financial pitfalls after bankruptcy.
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