AFC CERTIFICATION EVALUATION TEST
2026 FULL QUESTIONS AND ANSWERS
EXPERT VERIFIED
●● Why is it sometimes useful to gather information without asking
questions? (2.1).
Answer: a. So that the counselor does not run out of questions to ask.
b. Because asking questions is offensive.
Correct! c. So that a client does not feel interrogated.
d. Because there are not enough types of questions to create variability.
●● (2.2)
Which of the following is NOT a factor that might affect a client's
financial situation?.
Answer: a. Debt
b. Employment Status
c. Family Structure
Correct! d. Counseling Office Layout
●● (2.2)
Which of the following is a counselor NOT likely to include in a client
intake package?.
,Answer: a. Budget
b. Consent Form
c. Information Sheet
Correct! d. Medical Questionnaire
●● (2.3)
Which of the following is an example of a client resource?.
Answer: a. Counselor Office Location
You Answered b. Counselor Education
c. Faulty Questions
Correct Answer d. Additional Income
●● (2.3)
How could a client use his own resources to his benefit?.
Answer: a. To pay the counselor's fee.
b. To recommend other clients to the counselor.
c. To brainstorm solutions to his financial problems.
Correct! d. To help him accomplish his objectives.
●● (2.4)
What is true about the process of using direct methods to help clients
determine their financial attitudes and values?.
,Answer: a. It encourages the client to accept greater responsibility for
the process.
b. It involves a self-assessment inventory.
c. There is a debriefing session.
Correct! d. The counselor actively helps the clients identify their
attitudes and values.
●● (2.4)
What is the benefit of using the indirect method to help clients determine
their financial attitudes and values?.
Answer: Correct! a. It encourages the client to accept greater
responsibility for the process.
b. It uses a self-assessment inventory.
c. There is a debriefing session.
d. It is an active way to help clients identify their attitudes and values.
●● (2.4)
Which of the following is an example of an indirect method for helping
clients determine their financial attitudes and values?.
Answer: a. Dilemma Questions
b. Imperative Statements
c. Faulty Questions
Correct! d. Self-Assessment Inventory
, ●● Factors that impact a client's financial situation.
Answer: -Income sources and amounts
-Family structure
-Employment status of other household members
-Debt information, including amounts owed, due dates, interest rates,
and delinquency status
-Monthly and periodic expenses
●● Examples of client resources (2.3).
Answer: additional income to meet a savings goal or relationships with
professionals to help secure legal or financial services.
●● Remedial counseling (3.1).
Answer: used to address a problem. Counselor helps client to understand
their current situation and possible solutions. Clients have to take
responsibility for their actions to work. Key elements are:
-Clarify elements of problem
- Generate solutions
- Identify obstacles to solutions
- Develop ways to prevent problem from happening again.
●● Productive counseling (3.1).
2026 FULL QUESTIONS AND ANSWERS
EXPERT VERIFIED
●● Why is it sometimes useful to gather information without asking
questions? (2.1).
Answer: a. So that the counselor does not run out of questions to ask.
b. Because asking questions is offensive.
Correct! c. So that a client does not feel interrogated.
d. Because there are not enough types of questions to create variability.
●● (2.2)
Which of the following is NOT a factor that might affect a client's
financial situation?.
Answer: a. Debt
b. Employment Status
c. Family Structure
Correct! d. Counseling Office Layout
●● (2.2)
Which of the following is a counselor NOT likely to include in a client
intake package?.
,Answer: a. Budget
b. Consent Form
c. Information Sheet
Correct! d. Medical Questionnaire
●● (2.3)
Which of the following is an example of a client resource?.
Answer: a. Counselor Office Location
You Answered b. Counselor Education
c. Faulty Questions
Correct Answer d. Additional Income
●● (2.3)
How could a client use his own resources to his benefit?.
Answer: a. To pay the counselor's fee.
b. To recommend other clients to the counselor.
c. To brainstorm solutions to his financial problems.
Correct! d. To help him accomplish his objectives.
●● (2.4)
What is true about the process of using direct methods to help clients
determine their financial attitudes and values?.
,Answer: a. It encourages the client to accept greater responsibility for
the process.
b. It involves a self-assessment inventory.
c. There is a debriefing session.
Correct! d. The counselor actively helps the clients identify their
attitudes and values.
●● (2.4)
What is the benefit of using the indirect method to help clients determine
their financial attitudes and values?.
Answer: Correct! a. It encourages the client to accept greater
responsibility for the process.
b. It uses a self-assessment inventory.
c. There is a debriefing session.
d. It is an active way to help clients identify their attitudes and values.
●● (2.4)
Which of the following is an example of an indirect method for helping
clients determine their financial attitudes and values?.
Answer: a. Dilemma Questions
b. Imperative Statements
c. Faulty Questions
Correct! d. Self-Assessment Inventory
, ●● Factors that impact a client's financial situation.
Answer: -Income sources and amounts
-Family structure
-Employment status of other household members
-Debt information, including amounts owed, due dates, interest rates,
and delinquency status
-Monthly and periodic expenses
●● Examples of client resources (2.3).
Answer: additional income to meet a savings goal or relationships with
professionals to help secure legal or financial services.
●● Remedial counseling (3.1).
Answer: used to address a problem. Counselor helps client to understand
their current situation and possible solutions. Clients have to take
responsibility for their actions to work. Key elements are:
-Clarify elements of problem
- Generate solutions
- Identify obstacles to solutions
- Develop ways to prevent problem from happening again.
●● Productive counseling (3.1).
