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Stages of change, financial education, debt management Implementation of the Transtheoretical Model of Change A challenge faced by workplace financial educators is attracting employees in need of financial education to participate in programs to help them improve financial management skills. Even consumers who have identified particular financial problems that cause them distress may not be ready to learn more about the topics or to explore ways to fix their problems. Such consumers, while admittedly in need of financial coaching, probably are unlikely to participate in financial education sessions. Purpose The purpose was twofold: to develop strategies 1) to attract employees not ready for change to participate in employer-sponsored sessions focused on debt management, and 2) to empower participants to move from the pre-action stage of change (not yet ready to make behavior changes) to the action stage (Prochaska, Norcross, &amp