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What are the 3 types of counseling? Describe them. (CHAPTER 9) 1. Remedial counseling helps members cope with debt they cannot afford or poor money management. 2. Preventive counseling helps members with good financial habits manage financial challenges due to life changes. Preventive counseling also can be used to prepare members for large purchases. 3. Productive counseling helps members identify the best ways to use their resources to improve financial status. Productive counseling often i...