The other one is the post-filing financial management course which is shorter and tends to cost less and can be done entirely on the internet without a telephone component.  This course is required before a discharge can issue. The certificate and in some judicial districts Form 23 a sworn certification that you took the class must be filed.  In Chapter 7 you must take the class within 45 days of the first setting of the creditors meeting. Some courts will close the case without a discharge if this deadline is not adhered to, requiring a motion to reopen and a new filing fee.