What constitutes an example of a referral made by a counselor?

The correct choice illustrates a clear instance of referral as it involves the counselor actively connecting the client with an external resource, specifically a credit counseling agency. Referrals are an important part of a counselor's role, as they enhance the support offered to clients by linking them with specialized services or individuals who can address specific needs outside the scope of the counselor's expertise.

In this case, scheduling an appointment with a credit counseling agency demonstrates that the counselor recognizes the client's financial issues and knows that professional financial counseling is appropriate for addressing those concerns. This action helps ensure the client receives comprehensive care that is best suited to their needs.

In contrast, other options involve direct engagement or advice without the same level of connecting the client to an external resource. Seeking the advice of a clinical supervisor about the client's finances (the first option) is more about supervision and guidance for the counselor themselves rather than a referral for the client. Arranging a change in the client's work schedule (the third option) does not involve referring the client to another service or agency. Helping the client find an AA meeting (the fourth option) does support the client's recovery process, but it is more about providing information and assistance rather than formally referring them to an external service specifically designed for their financial issues.