Course Outline:

Module 1: Introduction to Debt Management

• Key Topics:
  • Overview of Debt Management Principles
  • Types of Debt: Secured vs. Unsecured
  • Understanding Debt Ratios and Their Importance
  • Case Study: Evaluating a Debt Management Strategy
  • Activity: Assessing Personal or Organizational Debt Levels

Module 2: Assessing Debt Levels and Risks

• Key Topics:
  • Identifying and Measuring Debt Levels
  • Evaluating Debt Service Coverage Ratios
  • Understanding Risk Factors Associated with Debt
  • Case Study: Analyzing Debt Levels in a Case Organization
  • Activity: Calculating Debt Ratios and Assessing Financial Health

Module 3: Developing Effective Repayment Strategies

• Key Topics:
  • Overview of Repayment Plans: Snowball vs. Avalanche Methods
  • Setting Realistic Goals for Debt Repayment
  • Tools and Techniques for Managing Debt Payments
  • Case Study: Creating a Repayment Plan for a Business
  • Activity: Developing a Personal Debt Repayment Strategy

Module 4: Managing Credit Relationships

• Key Topics:
  • Understanding Credit Terms and Conditions
  • Effective Communication with Creditors
  • Negotiating Payment Plans and Settlements
  • Case Study: Reviewing a Successful Debt Negotiation
  • Activity: Role-Playing Creditor Negotiation Scenarios

Module 5: Analyzing the Impact of Debt on Financial Health

• Key Topics:
  • The Long-Term Effects of Debt on Personal and Organizational Finances
  • Monitoring Debt Levels and Financial Performance
  • Strategies for Sustainable Debt Management
  • Case Study: Assessing Financial Performance with High Debt Levels
  • Activity: Creating a Financial Analysis Report on Debt Impact