{"id":23991,"date":"2020-11-06T22:09:59","date_gmt":"2020-11-06T22:09:59","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=23991"},"modified":"2025-06-04T16:18:33","modified_gmt":"2025-06-04T23:18:33","slug":"online-courses","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/financial-education\/online-courses","title":{"rendered":"Online Courses"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#FFFFFF&#8221; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; 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image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_purple.png&#8221; alt=&#8221;webinar_icon_green&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#5b25af&#8221; text_orientation=&#8221;center&#8221; link_option_url=&#8221;https:\/\/ccselearning-nomoredebts.talentlms.com\/plus\/&#8221; global_colors_info=&#8221;{}&#8221; header_text_color__hover_enabled=&#8221;on|hover&#8221; header_text_color__hover=&#8221;#2ad13d&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_green.png&#8221;]<\/p>\n<p>Check out our self-directed online courses in helpful, bite-sized lessons and learn about money the way you want!<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;https:\/\/ccselearning-nomoredebts.talentlms.com\/plus\/&#8221; url_new_window=&#8221;on&#8221; 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image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/post-secondary-student-loan_icon_purple.png&#8221; alt=&#8221;Post-Secondary Student Loan Icon&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#5b25af&#8221; link_option_url=&#8221;https:\/\/learninghub-nomoredebts.talentlms.com\/plus\/&#8221; global_colors_info=&#8221;{}&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/post-secondary-student-loan_icon_green.png&#8221; header_text_color__hover_enabled=&#8221;on|desktop&#8221; header_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<p style=\"text-align: center;\">Check out specially curated content to help you on your journey to becoming debt-free \u2013 Have your Client ID ready to sign up!<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;https:\/\/learninghub-nomoredebts.talentlms.com\/plus\/&#8221; 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In the Learning Hub you can take 5 minute lessons on:<\/p>\n<p><strong>Budgeting Basics <\/strong><\/p>\n<ul>\n<li>Learn about the basics of how to create a successful budget!<\/li>\n<\/ul>\n<p><strong>Expense Tracking 101 <\/strong><\/p>\n<ul>\n<li>Discover how to track your expenses with useful, easy to follow tips.<\/li>\n<\/ul>\n<p><strong>Goal Setting Your Way To a Better Budget\u00a0<\/strong><\/p>\n<ul>\n<li>You can put yourself first by learning how to create a financial goal that works with your budget and not against it.<\/li>\n<\/ul>\n<p><strong>Paycheque Planning\u00a0<\/strong><\/p>\n<ul>\n<li>This lesson will teach you how to match up your budget with your paycheque so that every dollar has a purpose.<\/li>\n<\/ul>\n<p><strong>Savings Strategies\u00a0<\/strong><\/p>\n<ul>\n<li>Learn about different strategies to save money and keep your money safe from yourself!<\/li>\n<\/ul>\n<p><strong>Understand Your Money Values<\/strong><\/p>\n<ul>\n<li>This lessons delves into understanding what money values are and how our personal money values shape our buying behaviours.<\/li>\n<\/ul>\n<p><strong>What are Irregular Expenses?\u00a0\u00a0<\/strong><\/p>\n<ul>\n<li>Learn about what categories of expenses irregular expenses fall into. You will also learn about how to create a plan to deal with irregular expenses so you don\u2019t rely on credit.<\/li>\n<\/ul>\n<p><strong>Why Save for Emergencies?\u00a0\u00a0<\/strong><\/p>\n<ul>\n<li>You will learn about the importance of an emergency fund and how to save for emergencies.<\/li>\n<\/ul>\n<p><strong>Organizing Your Business Finances 101<\/strong><\/p>\n<ul>\n<li>This lesson will teach you what you should know about organizing your business accounts and the importance of preparing and filing your business taxes.<\/li>\n<\/ul>\n<p><strong>Unpredictable and Irregular Income<\/strong><\/p>\n<ul>\n<li>This course will introduce you to the basics of unpredictable and irregular income. It will also review the challenges of being on this type of income track and discuss strategies on how to counter the challenges that come along with irregular income.<\/li>\n<\/ul>\n<p><strong>Organizing Irregular Income \u2013 Two Budgets System<\/strong><\/p>\n<ul>\n<li>This lesson helps you understand how creating two different budgets can help you manage an irregular income.<\/li>\n<\/ul>\n<p><strong>Organizing Irregular Income \u2013 Holding Account System<\/strong><\/p>\n<ul>\n<li>This lesson helps you understand how the Holding Account System can help to manage an irregular income.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#E4F8E0&#8243; custom_padding=&#8221;100px||50px||false|false&#8221; custom_padding_tablet=&#8221;||70px||false|false&#8221; custom_padding_phone=&#8221;50px||50px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#FFFFFF&#8221; bottom_divider_flip=&#8221;horizontal&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;20px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; ul_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Credit<\/h2>\n<p>Ever wondered what the difference between a credit score and a credit report was? Do you know what builds (or reduces) your credit score? Credit can be very confusing and this can lead to decisions that may impact our overall credit profile. Decisions and actions that are seemingly positive may actually impact us negatively. Information is key to making decisions that positively affect our credit and overall financial situation. In the Learning Hub you can take 5-minute lessons on:<\/p>\n<p><strong>Credit Reports, Ratings and Scores<\/strong><\/p>\n<ul>\n<li>Learn how to read your credit reports, ratings and scores just as well as your financial adviser.<\/li>\n<\/ul>\n<p><strong>Facts &amp; Myths About Credit<\/strong><\/p>\n<ul>\n<li>Which statement is true and false? Learn the facts and myths about credit in this interactive lesson on understanding credit!<\/li>\n<\/ul>\n<p><strong>The Basics of Credit<\/strong><\/p>\n<ul>\n<li>Know the basics of credit and different types of lending products.<\/li>\n<\/ul>\n<p><strong>Understanding Credit Cards<\/strong><\/p>\n<ul>\n<li>Credit cards can be used as beneficial tool, in this lesson you will learn how to use this common everyday lending product responsibly.<\/li>\n<\/ul>\n<p><strong>Ways to Improve Your Credit<\/strong><\/p>\n<ul>\n<li>Learn different strategies on how to improve your credit over time.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||120px|||&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#5b25af&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;20px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Fraud<\/h2>\n<p>Unfortunately, frauds and scams cost Canadians billions of dollars every year. Even savvy consumers can have their identity stolen or be scammed. Join us int he Learning Hub to take 5-minute lessons on:<\/p>\n<p><strong>Identity Theft<\/strong><\/p>\n<ul>\n<li>You will learn about what identity theft is and how to protect yourself.<\/li>\n<\/ul>\n<p><strong>What Is Fraud?<\/strong><\/p>\n<ul>\n<li><span zm=\"\">You\u00a0will\u00a0learn\u00a0the\u00a0the\u00a0definitions\u00a0of\u00a0fraud,\u00a0phishing\u00a0and\u00a0spoofing.\u00a0You\u00a0will\u00a0also\u00a0learn\u00a0about\u00a0some\u00a0signs\u00a0to\u00a0look\u00a0out\u00a0for\u00a0so\u00a0you\u00a0don&#8217;t\u00a0fall\u00a0victim\u00a0to\u00a0a\u00a0phishing\u00a0scam.<\/span><\/li>\n<\/ul>\n<p><strong>Impersonation Scams<\/strong><\/p>\n<ul>\n<li>You will learn about common types of impersonations scams and how to protect yourself.<\/li>\n<\/ul>\n<p><strong>Investment Scams<\/strong><\/p>\n<ul>\n<li>You will learn about pyramid schemes and ponzi schemes and how to protect yourself.<\/li>\n<\/ul>\n<p><strong>Financial Elder Abuse<\/strong><\/p>\n<ul>\n<li>You will learn about elder abuse and what to do in such situations.<\/li>\n<\/ul>\n<p><strong>Rental Scams<\/strong><\/p>\n<ul>\n<li>You will learn about rental scams and how to protect yourself.<\/li>\n<\/ul>\n<p><strong>Employment Scams<\/strong><\/p>\n<ul>\n<li>You will learn about employment scams and how to protect yourself.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Accreditations<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; module_class=&#8221;mobile-stacking&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; max_width=&#8221;1500px&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin_phone=&#8221;|-5.5px|||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_intensity_zoom=&#8221;20%&#8221; global_module=&#8221;44251&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/best-workplaces-canada-certified-2022-text-bx-1.png&#8221; background_size=&#8221;initial&#8221; link_option_url=&#8221;\/about-us\/accredited-credit-counselling#best-workplaces&#8221; background_last_edited=&#8221;off|desktop&#8221; background_image_phone=&#8221;\/wp-content\/uploads\/2020\/02\/description-ccc-1.png&#8221; background_enable_image_tablet=&#8221;off&#8221; background_enable_image_phone=&#8221;on&#8221; custom_css_main_element=&#8221;width: 19%!important;||height: 100%;||display: grid;||margin-left: 39px;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;height: 100%;&#8221; custom_css_main_element_phone=&#8221;width: 100%!important;||padding-top:20px;||padding-bottom: 50px;&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2024\/10\/best-workplaces-canada-certified-2024-bx.jpg&#8221; alt=&#8221;Certified by Great Places to Work Canada&#8221; title_text=&#8221;Great Place to Work Certified&#8221; url=&#8221;\/about-us\/accredited-credit-counselling#best-workplaces&#8221; 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hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221; src__hover_enabled=&#8221;off|desktop&#8221; src__hover=&#8221;\/wp-content\/uploads\/2020\/02\/description-ccc-1.png&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;position: absolute;||top: 0%;||left: 29%;||padding-left: 13px;&#8221; custom_css_main_element_phone=&#8221;margin-top: 30px;&#8221; filter_opacity__hover_enabled=&#8221;on|hover&#8221; filter_opacity__hover=&#8221;0%&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/credit-counselling-canada-text-bx-1.png&#8221; background_size=&#8221;initial&#8221; link_option_url=&#8221;\/about-us\/accredited-credit-counselling#credit-counselling-canada&#8221; background_last_edited=&#8221;off|desktop&#8221; background_image_phone=&#8221;\/wp-content\/uploads\/2020\/02\/description-bbb-1.png&#8221; background_enable_image_tablet=&#8221;off&#8221; background_enable_image_phone=&#8221;on&#8221; background_position_tablet=&#8221;center_left&#8221; background_position_phone=&#8221;center&#8221; custom_css_main_element=&#8221;width: 28%!important;||height: 100%;||display: grid;||margin-left: 4px;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;height: 100%;||display: grid;||margin: auto;&#8221; custom_css_main_element_phone=&#8221;width: 100%!important;&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/credit-counselling-canada-logo-bx-1.png&#8221; alt=&#8221;Accredited by Canada\u2019s national association of non-profit credit counselling organizations.&#8221; title_text=&#8221;Credit Counselling Canada&#8221; url=&#8221;\/about-us\/accredited-credit-counselling#credit-counselling-canada&#8221; 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header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Articles<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.27.4&#8243; width=&#8221;70%&#8221; max_width=&#8221;1600px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/financial-education\/financial-workshops-webinars&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/in-person-workshop_related_topics.jpg&#8221; alt=&#8221;person workshop&#8221; title_text=&#8221;workshops-and-webinars&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Workshops &#038; Webinars<\/h3>\n<p>In-person or online, learn about credit, debt, and money. Ask questions and get the best tips!<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/budgeting\/budgeting-tips&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/writing-down-expenses_related_topics.jpg&#8221; alt=&#8221;writing down expenses&#8221; title_text=&#8221;top-budgeting-tools&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Top Budgeting Tools<\/h3>\n<p>Make budgeting easier with the right tools and tips for you. Free downloadable spreadsheets too!.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/credit-counselling&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;signing agreement with advisor&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? Here&#8217;s what you need to know.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->      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