"How to help yourself and others out of the debt trap"

It is almost impossible to watch any news programme without hearing a reference to the increasing debt levels that have been incurred by the majority of the population. The easy availability of credit over the late 1990’s and early 2000’s led people to take on bigger debts than at any time throughout history. When interest rates started to rise in 2007, mainly due to the banking crisis in the USA, the reality of debt repayment hit home. People who had previously been able to afford large levels of debt got stuck in a trap.

If you are in debt yourself, there is hope. There is a way out of the financial pressure that you are under.

If you are seeking to help others out of the debt trap, there are key elements that can be learned which will make you effective in helping others.

This programme outlines the basics and shows you how to admit the problem, accept it in order to begin to tackle it and then to attack it – reducing and ultimately removing debt altogether.

• Introduction
• What is Debt?
• The Problem with Debt
• The Difference Between Good and Bad Debt
• Identifying Your Debts
• Putting Debt into Context
• Crisis Management
• Increasing Your Income
• Reducing Your Outgoings
• Establishing a Debt Management Plan
• Reducing the Risk of Future Problems
• Helping Others with Debt Issues

On completion of your course, you will receive two qualifications:

Qualification 1: Debt Management Skills Certificate

Debt Management Skills Certificate issued by Stonebridge Associated Colleges, entitling you to use the letters SAC Cert after your name.

Qualification 2: Level 1 Debt Management Skills Award

This Course leads to an NCFE Level 1 Award Certificate for successful learners. That means that it is independantly accredited at a level of learning equivalent to level 1 on the National Qualifications Framework (NQF) for England, Wales and Northern Ireland (in which case GCSE's are at levels 1 and 2 and A Levels are at level 3). In accrediting the programme at level 1, NCFE attests that its learning outcomes are at an equivalent level to a level 1 national qualification.

This award has been designed by Stonebridge Associated Colleges to meet specific learners' or employers' requirements. Accreditation by NCFE is a guarantee of quality. It means that this learning programme has been scrutinised and approved by an independent panel of experienced educational professionals and is quality audited biannually by NCFE.

This course is currently only available to be studied via the traditional paper-based method.

At the end of the course you will receive an award issued by Stonebridge Associated College, and also gain full awarding body accreditation for the course.

With this course you will have unlimited access to your own personal tutor who specialises in their field of study. It is your personal tutor's role to ensure that you receive constructive feedback and to deal with any queries you may have. You are more than welcome to telephone, fax or email your personal tutor.

You will also have access to a dedicated and friendly team of administrators and course advisors who offer sound and professional guidance and advice when you need it. This ensures that you will never feel neglected and that you will always succeed!

There is no experience or previous qualifications required for enrolment on this course. It is available to all students, of all academic backgrounds.

This is only an approximate figure and is dependant upon how much time you can dedicate to your studies and how well you grasp the learning concepts in the course material. Furthermore, at the end of each lesson there is a question paper that needs to be completed and returned to your tutor. You should allow at least 1 - 2 hours of study to complete each question paper.

The approximate amount of time required to complete the course is: 30 hrs.

Assessment Method

After each lesson there will be a question paper, which needs to be completed and submitted to your personal tutor for marking. This method of continual assessment ensures that your personal tutor can consistently monitor your progress and provide you with assistance throughout the duration of the course.

What's Included

• All study materials
• Study Guide
• Full Tutor and Admin support
• The course fee includes the ASET registration and certification fee (valued at up to £30.00).

What is NCFE

NCFE is the UK's longest established awarding body, recognised as a highly professional and responsive organisation, committed to maintaining excellent customer service and a friendly approach.

NCFE is recognised as an awarding body by the qualification regulators ('regulators') for England, Wales and Northern Ireland. The regulators are the Office of the Qualifications and Examinations Regulator (Ofqual) in England, the Department for Children, Education, Lifelong Learning and Skills (DCELLS) in Wales and the Council for Curriculum, Examinations and Assessment (CCEA) in Northern Ireland.

Accreditation by NCFE is a guarantee of quality. It means that a learning programme has been scrutinised and approved by an independent panel of experienced educational professionals and is quality audited biannually by NCFE. Learners successfully completing NCFE accredited programmes receive an externally accredited and nationally recognised NCFE certificate.

For more information on this award, click here

The Second Income Series

The Second Income series of courses have been specifically devised to help people who already have work or other commitments of some kind, to identify a way forward towards generating an extra 25% income, or, if you currently do not have any income, to start generating some.

Although it is possible to take these ideas and to generate a full time income, that is not the goal of the programme. Each of these income streams can be followed with just a few hours each week and are flexible enough to be able to be completed at times to suit you. It does not matter if you work shifts or have caring commitments that mean you can not commit the same time each week or each month. As long as you can commit something, you can succeed and increase your income.

If you are currently employed in a business where the future can not be guaranteed, the Second Income series is an ideal safety net. If you start to set up a second stream of income now, you will be in a much stronger position later if redundancy, retirement or unemployment arrives a little sooner than expected.

Below you will find a list of courses that previous students have taken to complement their course. We hope that this list will give you some idea of the types of progression courses we offer, or alternative course options that may be of interest to you.

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