Educate clients to understand debt and consumer credit

Formats and tools

Unit Description
Reconstruct the unit from the xml and display it as an HTML page.
Assessment Tool
an assessor resource that builds a framework for writing an assessment tool
Assessment Template
generate a spreadsheet for marking this unit in a classroom environment. Put student names in the top row and check them off as they demonstrate competenece for each of the unit's elements and performance criteria.
Assessment Matrix
a slightly different format than the assessment template. A spreadsheet with unit names, elements and performance criteria in separate columns. Put assessment names in column headings to track which performance criteria each one covers. Good for ensuring that you've covered every one of the performance criteria with your assessment instrument (all assessement tools together).
Wiki Markup
mark up the unit in a wiki markup codes, ready to copy and paste into a wiki page. The output will work in most wikis but is designed to work particularly well as a Wikiversity learning project.
Evidence Guide
create an evidence guide for workplace assessment and RPL applicants
Competency Mapping Template
Unit of Competency Mapping – Information for Teachers/Assessors – Information for Learners. A template for developing assessments for a unit, which will help you to create valid, fair and reliable assessments for the unit, ready to give to trainers and students
Observation Checklist
create an observation checklist for workplace assessment and RPL applicants. This is similar to the evidence guide above, but a little shorter and friendlier on your printer. You will also need to create a seperate Assessor Marking Guide for guidelines on gathering evidence and a list of key points for each activity observed using the unit's range statement, required skills and evidence required (see the unit's html page for details)

Self Assessment Survey
A form for students to assess thier current skill levels against each of the unit's performance criteria. Cut and paste into a web document or print and distribute in hard copy.
Moodle Outcomes
Create a csv file of the unit's performance criteria to import into a moodle course as outcomes, ready to associate with each of your assignments. Here's a quick 'how to' for importing these into moodle 2.x
Registered Training Organisations
Trying to find someone to train or assess you? This link lists all the RTOs that are currently registered to deliver CHCFLE303A, 'Educate clients to understand debt and consumer credit'.
Google Links
links to google searches, with filtering in place to maximise the usefulness of the returned results
Reference books for 'Educate clients to understand debt and consumer credit' on This online store has a huge range of books, pretty reasonable prices, free delivery in Australia *and* they give a small commission to for every purchase, so go nuts :)

Elements and Performance Criteria



1. Apply knowledge of the role of credit

1.1 Demonstrate clear understanding and ability to explain concepts and terminology of credit provided by a financial institution and debt incurred by a borrower

1.2 Compare features of different types of loans or credit facilities

1.3 Identify differences between unsecured and secured loans and explain implications of default on secured and unsecured loans

1.4 Demonstrate understanding of and ability to explain the cost of credit

1.5 Explain basic concepts and uses of documents and paperwork

2. Identify common debt issues

2.1 Discuss common types of debt including relationship debt with client and identify its potential implications in relation to specific client situation

2.2 Provide appropriate referrals to assist client to deal with debt issues

2.3 Identify ways to avoid debt as a means to assist client to minimise debt

2.4 Identify range of debt reduction strategies to address client situation

3. Identify complaints and hardship options to address personal financial issues

3.1 Identify informal and formal complaints processes to assist client to ensure rights and entitlements are met

3.2 Identify appropriate hardship provisions relevant to client needs

Qualifications and Skillsets

CHCFLE303A appears in the following qualifications:

  • CHC30108 - Certificate III in Community Services Work
  • CHC40408 - Certificate IV in Alcohol and Other Drugs Work
  • CHC41908 - Certificate IV in Youth Justice
  • CHC30508 - Certificate III in Social Housing
  • CHC41808 - Certificate IV in Youth Work
  • CHC40708 - Certificate IV in Community Services Work
  • CHC50608 - Diploma of Community Services Work
  • CHC42508 - Certificate IV in Community Services (Information, advice and referral)
  • CHC40908 - Certificate IV in Social Housing
  • CHC40508 - Certificate IV in Mental Health
  • CHC41108 - Certificate IV in Pastoral Care
  • CHC42108 - Certificate IV in Career Development
  • CHC30608 - Certificate III in Active Volunteering

And the skillsets: