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Course Overview
Embark on a transformative learning journey with the UK’s most innovative home study provider, offering courses designed to unlock your true potential and facilitate the career change you desire. Access our distance learning courses directly from anywhere, anytime, and acquire industry-recognised Professional Qualifications essential for advancing in your career.
Specifically, explore the flexible and convenient Debt Counselling (Level 3) course, an ideal way to gain a diploma qualification. Whether you aim for further education, improved job prospects, or expanded knowledge, this comprehensive course allows you to prepare thoroughly for exams or careers through home study. Plus, it’s structured to be accessible and beneficial even if you have no prior knowledge in Debt Counselling .
As an expert in the field of debt counselling, I can attest to the importance and relevance of this course in addressing the multifaceted issues surrounding debt and counselling. Accredited by ACCPH, the Level 3 course not only provides comprehensive training but also offers the opportunity to become a professional member upon graduation, enhancing credibility and career prospects in the counselling industry.
Debt is a pervasive issue affecting individuals across all socioeconomic backgrounds, often leading to significant psychological distress and emotional turmoil. This course delves deep into the psychosocial factors underlying debt, equipping students with the analytical tools to assess and understand the complexities of debt-related challenges. By exploring the intricacies of the debt spiral, including phenomena such as credit card debt and bankruptcy, students gain insights into both the metaphorical and practical aspects of debt counselling.
Moreover, the course adopts a holistic approach by integrating various counselling modalities, including psychodynamic, cognitive-behavioural, and person-centered approaches. Students are guided through advanced counselling techniques tailored specifically for debt counselling, enabling them to address clients’ diverse needs with empathy and efficacy. Reflective activities encourage personal evaluation, fostering self-awareness and the ability to navigate the emotional complexities inherent in debt counselling scenarios.
Furthermore, the course sheds light on the link between debt and addiction, highlighting how the allure of financial gain can quickly spiral into despair and dependency. By understanding the psychological mechanisms at play, counsellors can better assist clients in breaking free from the cycle of debt and rebuilding their financial well-being. Additionally, emphasis is placed on recognising the underlying emotions and potential physiological factors driving debt-related behaviors, empowering counsellors to provide tailored interventions that address the root causes of financial distress.
In essence, the Debt and Counselling Level 3 course offers a comprehensive platform for aspiring counselors to acquire the knowledge, skills, and insights necessary to make a meaningful difference in the lives of individuals struggling with debt. By bridging the gap between financial challenges and psychological well-being, this course equips counsellors with the tools to support clients on their journey towards financial resilience and emotional empowerment.
Course Key Topics
the Debt Counselling (Level 3) course is divided into 10 modules.
Module 1: Introduction to the concept of debt and reappraisal of counselling skills
This module looks at the definition of debt and ‘debting’; activities include self-reflection and evaluation so that any predetermined views and prejudices are identified. It also looks in detail at the five theories which have been adopted as approaches in counselling, the work of Freud, Rogers, Skinner, Ellis, Jung and Eagan, and the corresponding counselling approaches examined. Each approach is looked at in terms of how it works, its impact and methodology in a context of what is best suited for the client and what skills are needed to apply it in practice.
Module 2: The psychodynamic approach relevant to debt counselling
This module will look at how the psychodynamic approach works built on Freud’s model and its, often, long-term application to the present day counselling situation. It is used to give clients an insight into their own personality and problems. Specific examples and activities will give the student indications as to which particular set of client circumstances benefits most from this approach, and how it relates to debt counselling. So examples include transference, aggressiveness and clients being defensive, so techniques for limiting or avoiding are covered in depth.
Module 3: The cognitive behavioural approach relevant to debt counselling
This module will look at how the behavioural approach works (commonly called CBT), what is cognitive counselling and its application to certain counselling situation. It starts by defining maladaptive thought processes and irrational behaviours arising from such emotions. This may not suit every client so ways to recognise its use for a specific debt counselling situation, either fully or in combination with other techniques is practiced using specific examples and activities. Some of the pitfalls are also addressed, such as the process is long so clients may get too attached to the therapist and transference is a key possibility.
Module 4: The person-centred approach relevant to debt counselling
This module will look at how the person centred approach works and is applied to the counselling situation, it is often criticised for being self-indulgent. It teaches how to help clients focus on becoming self-aware of their personal experience and begin to understand the underlying cause of their problems and addiction. Maslow’s hierarchy of needs model is referred to in detail as being a useful tool to use. Specific examples and activities will give the student indications as to which particular set of client circumstances benefits most from this approach. Areas of application where underlying problems and situations are present will be discussed, and how to resolve this e.g. through building self-esteem is addressed.
Module 5: Client-counsellor relationships in debt counselling
Counselling only works if the client has faith and trust in the therapist so the way the relationship is built and what skills are needed to do this is covered in detail. This module will discuss ethical guidelines, boundaries or limitations and will look at how to recognise and deal with these. In addition the importance of relationship building will be examined through an analysis of individual skills like active and passive listening, how to provide advice and guidance. Self-evaluation activities will be included in this module and it is recommended that regulatory guidelines and affiliations with professional bodies is made use of.
Module 6: What is debt? Part 1
This module looks at the concepts, assumptions and preconceptions surrounding debt. Debt is defined as owing something or money to another person, but what causes debt (depression, greed, divorce, change in personal circumstance) is covered in detail. In addition, the nature of ‘debting’ is often linked to compulsion or addiction and this is explored, for example compulsion, and the process of how individuals find themselves with serious debt problems is examined. Diagrammatic representation of causal effects e.g. through the use of genograms is demonstrated. Simple techniques such as relaxation and intervention are discussed.
Module 7: What is debt? Part 2
This module looks at money and the individual, together with contributing factors in the ‘debting’ process in greater detail, such as upbringing, dependents, career and personal expectations. In addition the module addresses the signs of underlying issues which may expose the debt problem as a metaphor. Reframing looks at the debt problem in a different context, and the discussion continues by looking at attachment theory which links human relations, emotions and behaviours to explain the influences on debt or it being a maladaptive behaviour. The key aim of the therapist will be to gently and carefully modify behaviour and how to do this in stages is identified e.g. by giving homework, discussing rewards and punishments, and relaxation exercise and techniques.
Module 8: Concepts of change
Key to change is building an understanding to [un]healthy relationship to money and how it is viewed in modern society. This module is about how individuals face their problem, stop the negative spiral and effect change through their knowledge counselling programmes and how it can be applied to helping them. Effective change can only be achieved if clients gain understanding of the underlying problems associated to their debt issues and if they are willing to change their behaviour. Advanced CBT [assessment, planning, keeping accurate and up to date records/ journals and delivery] can prove useful here so how to apply is shown by applying theories to real activities which can be used with clients.
Module 9: Achieving aims and goals in debt counselling
Debt has a historic context where it was often used to keep people in their place by making them obligated to those in power having huge amounts of money and wealth. Today debt is addictive since it is accessible, but often it arises out of people in power wanting to profit out of those less powerful. Thus, in order to achieve success from debt, methods are assessed such as setting goals, giving support, making better decisions, learning how to communicating with others, e.g. banks, maintenance strategies and using rewards and achievement. The module also examines how counselling can contribute to positive client motivation and facilitate behaviour changes which is key to debt management or even an end to debt by helping clients find all the places they can obtain help and support.
Module 10: Looking at specific debts such as credit cards
As debt counsellors, it is essential to know about the legislation and related bodies who offer help and support with debt. Credit card debt is one of the most significant contributing factors to debt problems in modern society; therefore this module examines underlying and contributory factors, together with effective control strategies and mechanisms. In addition, this module will discuss Individual Voluntary Agreements, IVAs [debt over £15,000 is paid in small amounts over 5 years through an Insolvency firm] and bankruptcy agreements and what these processes mean in terms of psychological wellbeing. It is important that the effective role of the counsellor is not loss and that the skills learned in earlier modules is practiced alongside practical decisions the client needs to take and fulfil.
(Please click on the curriculum tab above to see a detailed view of each module)
Course Content
Debt Counselling (Level 3) – FREE Starter Pack
How to…. (a series of explainer videos)
Module 1 – Introduction to the concept of debt and reappraisal of counselling skills
Module 2 – The psychodynamic approach relevant to debt counselling
Module 3 -The cognitive behavioural approach relevant to debt counselling
Module 4 – The person-centred approach relevant to debt counselling
Module 5 – Client-counsellor relationships in debt counselling
Module 6 – What is debt? Part 1
Module 7 – What is debt? Part 2
Module 8 – Concepts of change
Module 9 – Achieving aims and goals in debt counselling
Module 10 – Looking at specific debts such as credit cards
Course Resources
Final Exam
College Announcements
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The Debt Counselling (Level 3) course, presented by Open Learning College, is your pathway to understanding and addressing the complexities of debt management. With 10 comprehensive modules, explore the psychology behind debt, counseling approaches, client-counselor relationships, and practical interventions.
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Flexibility: Learn at your own pace, with 24/7 access to course materials.
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David Johnson.