This course is accredited by ACCPH at Level 3 and allows you join as a professional member after graduation.
This course concentrates on the two-fold issues of debt and counselling. An assessment and analysis of psychosocial factors relating to debt are made together with how therapy can be meet the challenges relating to debt. The course will specifically address the processes of the debt spiral and particular issues such as credit card debt and bankruptcy, together with how these can be explored as both metaphorical problems and what causes them to occur in the first place. Debt has been linked to addiction in that it gives an initial high which can soon turn to despair. Specific attention will be given to psychodynamic, cognitive behavioural and person-centred approaches advanced counselling skills, and how it specifically relates to debt counselling, and there will be reflective activities for personal evaluation in order to be able to recognise and deal with the complex range of client needs, together with being able to understand the origins of these particular emotions and possible physiological factors.
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 need’s 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 define 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. /p>
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.
All students must be 16 years of age and above.
Level 3 Diploma courses require a minimum prior learning to GCSE standard in order that students can manage their studies and the assumed knowledge within course content.
Approximately 20 hours per unit
Final online multiple choice examination.
Please note that you can enrol on this course at anytime.
Diploma in Debt Counselling
This course is Quality Assured by the Quality Licence Scheme
At the end of this course successful learners will receive an e-Certificate from Oxford Learning College. There is also the option to purchase an Embossed Certificate and also a certificate from ABC Awards for the qualification.
The course has been endorsed under the ABC Awards Quality Licence Scheme. This means that Oxford Learning College has undergone an external quality check to ensure that the organisation and the courses it offers, meet certain quality criteria. The completion of this course alone does not lead to an Ofqual regulated qualification but may be used as evidence of knowledge and skills towards regulated qualifications in the future.
The unit summary can be used as evidence towards Recognition of Prior Learning if you wish to progress your studies in this sector. To this end the learning outcomes of the course have been benchmarked at Level 3 against level descriptors published by Ofqual, to indicate the depth of study and level of demand/complexity involved in successful completion by the learner.
The course itself has been designed by Oxford Learning College to meet specific learners' and/or employers' requirements which cannot be satisfied through current regulated qualifications. ABC Awards endorsement involves robust and rigorous quality audits by external auditors to ensure quality is continually met. A review of courses is carried out as part of the endorsement process.
ABC Awards is a leading national Awarding Organisation, regulated by Ofqual, and the Welsh Government. It has a long-established reputation for developing and awarding high quality vocational qualifications across a wide range of industries. As a registered charity, ABC Awards combines 180 years of expertise but also implements a responsive, flexible and innovative approach to the needs of our customers. Renowned for excellent customer service, and quality standards, ABC Awards also offers Ofqual regulated qualifications for all ages and abilities post-14; all are developed with the support of relevant stakeholders to ensure that they meet the needs and standards of
employers across the UK.
How can I progress
For more information on how to progress after completing this course, please click here
You will receive a certificate from the College. A digital version is included in the price and will be emailed to you within 5 days of taking your online exam.
Should you require an embossed hard copy of your certificate to be sent to you by Special Delivery post, you can order this separately after taking your exam.
The course can be enrolled upon by students Internationally. There are no deadlines for enrolments.
To view the differences between our qualifications, please click HERE
Online study materials to enable the student to successfully complete the Diploma. Support is provided by the tutor department for the duration of the course (1 year). Certification upon completion. All examination fees.
Payment by Instalments
Students are able to pay course fees in monthly instalments. Click here to download our instalment plan.
The Quality Assured Diploma is a Level 3 equivalent on the National Qualifications Framework. The Diploma is a 1 year course which is self study and is examined by online examination. The Diploma is awarded by Oxford College. Upon completion of the course you will receive certification awarded by Oxford College.
The Level 3 Diplomas require a minimum prior learning to GCSE standard in order to for students to manage study and the assumed knowledge within course content.
They provide an ability to gain and apply a range of knowledge, skills and understanding in a specific subject at a detailed level. Level 3 qualifications such as A levels, NVQ3, BTEC Diplomas etc. are appropriate if you plan to progress to university study.
Level 3 Diploma courses can assist you in career development, continued professional development, personal development, and provision of a basis for further study.
Progression from Level 3 is to specialist learning and detailed analysis of a higher level of information (for example university level study, Diploma Level 5 study).
Your course is delivered online via the Oxford Learning On Campus website.
This is a flexible learning course, so the more time you have to commit to your studies, the sooner you are able to complete.
In the student 'On Campus' you are also able to take part in the student chat room and forums as part of our online student community.
After enrolling online you will receive your username and password to access the On Campus area within 3 working days.
Materials and support provided by Oxford Learning.
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This product was added to our catalog on Thursday 13 August, 2009.