On-line Debt Counselling training is now vailable for learners countrywide!



1. Training will be ten days which is spread over 15 working days 
2. There will be a mock examination  and examination month end.
3. Pass mark is 75% no more 80%
4. Leaners will get one opportunity to rewrite examination if a leaners fails again a fee will be applicable to rewrite for the second time.


                   Commence Date

                   Final Examination Date

4th March 2024

22nd March 2024

3rd June 2024

21st June 2024

2nd September 2024 

20th September 2024 

4th November 2024

22nd November 2024



What is the Debt Counsellor Training all about?

The National Credit Act was passed by Parliament in December 2005. This act makes provision for the introduction of Debt Counselling programme to assist over- indebted customers. The programme needs to be implemented by Debt Counsellors who are competent and registered by the National Credit Regulator (NCR). For you to register as a debt counsellor you are required to undergo training, which is approved by the NCR, and comply with all the requirements set out in the National Credit Act and Regulations. 



Target Audience

The program is targeted at individuals who have a:

  • Grade 12 certificate or equivalent NQF level 4 qualifications.
  • Minimum of two years working experience in any of the following fields: o
    • Consumer protection, complaints resolution or consumer advisory services
    • Legal or Para-legal services
    • Educating or training individuals
    • Counselling of individuals
    • General business environment


Course Outline

The course consists of 9 Modules namely: -

 Module 1

Introduction to The SA Credit language

Module 2

The Credit Granting Cycle

Module 3

Understanding the Cost of Credit

Module 4

Debt Enforcement vs Debt Relief

Module 5

The legislative & Regulatory Framework for Debt Counselling

Module 6

Applying the Debt Counselling Process

Module 7

The Pivot of the Debt Counselling Process: Calculating Over-Indebtedness

Module 8

Court Application Process

Module 9

The Debt Counselling Profession


Duration of the course

The Debt Counselling Training Course consists of nine (9) modules. Enrolled learners will be given an integrated classroom and practical training through Zoom. The learning will comprise of 10 days of training spread over fifteen days. Each training session will be approximately two-three hours daily. The training will be delivered in consecutive days in a modular format for ease and effective delivery.


Where does training take place?

As a result of COVID, the current training will be conducted virtually through Zoom. The classes will be approximately 3-hours long, and learners are requested to ensure that they have enough data and a place with proper network to ensure that they get the full benefit of the learnings.


Assessment and Examination

  • Competency will be assessed through class hands on tasks, formative assessment based on input and performance in class and daily assignments which will require a fair amount of studying and practice.
  • Learners will write a three-hour mock examination on the 8th day of training, and
  • A final three-hour examination will be written on the 11th day of the training
  • Learners will be provided with written feedback of the examination outcome within ten days of writing the examination
  • Leaners will be provided with one opportunity to rewrite examination free, if a leaner fails again a fee of R1000 will be applicable for a second re-write.
  • A learner who has achieved the status of competence shall be certified by RUDO and issued a certificate in accordance with the terms and conditions of the NCR.  


In which language is training conducted?

All the materials are in English which is the main language of instruction.  RUDO’s team is multilingual, and learners who need assistance will be assisted in Afrikaans or vernacular. 


Costs and payment method

  • The fees for the entire course are R10 000. This amount includes facilitation, course materials, assessments, and certification.
  • Payment to be made in cash or EFT only. Cheque payments are not allowed.
  • Payment to be made 10 days prior to the scheduled training to the following banking account:


RUDO Retail
Absa Bank SA
Acc. No: 9206431652
Branch: Centurion
Branch Code: 632005


Please complete the enrolment form and forward proof of payment to:

Thabo Khanye at thabo@rudocon.co.za or Portia Sekati at matlodi@rudocon.co.za

For more information, please call (012) 663 3251.

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