Project aim
In recent years, the amount of households facing problematic debts has been increasing. To combat the resulting problems, municipalities offer debt counseling, focusing on (voluntary) arrangements to help recipients become debt-free. The recent reduction of counse
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Project aim
In recent years, the amount of households facing problematic debts has been increasing. To combat the resulting problems, municipalities offer debt counseling, focusing on (voluntary) arrangements to help recipients become debt-free. The recent reduction of counseling duration from 36 to 18 months raises concerns about recipients’ ability to develop self-reliance, which potentially leads to relapses into debt after finishing the process. My client, the municipality of The Hague has therefore asked me to design for the aftercare program to counteract these negative effects.
The main design goal for this project is: “To support self-reliance of debt counseling recipients by providing tools that assist in finding suitable information, and lower the barrier to seek for help after finishing the process, in order to prevent the accumulation of new debt in the future.”
Recipients are the primary users of the proposed design. Their supervisors play a key role as main points of contact during debt counseling, which necessitates alignment with their needs and values too.
Methodologies
- Literature review: Exploring factors influencing aftercare, its contexts, and the impact of debt on individual well-being.
- Qualitative interviews: Generatively exploring needs, values, and barriers of recipients and relevant municipal employees supporting them.
- Research by design: Iterating concepts through frequent mini evaluations with recipients and supervisors.
- Generative sessions: Mapping the debt counseling system and evaluating concepts.
- Evaluation interviews: Reflecting on final design contents, use, and implementation with recipients, supervisors, and a quality employee.
Research outcomes
Main research outcomes about understanding the debt counseling system and recipient experiences:
- Types of recipients. Six archetypes of recipients were identified, with the “lost recipient” and the “insecure recipient” selected as those who could benefit most from adequate aftercare, as they benefit the most from support to address their challenges.
- Attention for aftercare. A significant portion of recipients express dissatisfaction with debt counseling and aim to exit the process quickly, leading to minimal attention to aftercare. Furthermore, supervisors prioritize the initial phases of other recipients’ processes over aftercare because they consider them more critical, and they are too busy to address both.
The main insights retrieved from iterative design phases:
- Grip to support self-reliance. Recipients benefit from two types of grip: passive grip with which they are supported to find suitable solutions to problems themselves and active grip with which they are helped by people or organizations around them.
- Self-reliance throughout the process. Recipients need to practice using methods to increase grip on problems they might face during debt counseling, to understand how to use it afterward. Supporting recipients throughout various phases of the process, not just during aftercare, is essential to enhance self-reliance.
- Personal service. Recipients might be more willing to cooperate until the end of the process of debt counseling if they are treated more personally.
The design
The tool: a card bundle
I designed a card bundle to enhance the recipient’s self-reliance, with cards for planning, celebrating, and gaining grip on problem solving. Gradually introduced by supervisors based on recipient abilities, familiarizes recipients with the personalised bundle, increasing the likelihood of use after debt counseling.
The intervention: a final appointment
A final, in-person appointment during aftercare could benefit both recipients and supervisors. This meeting would involve reflection, future planning, and celebration, guided by a designed infographic. It provides recipients with closure and acknowledgment. While supervisors may need to adapt their routines, they would find satisfaction in concluding the process with their recipients.
After evaluation sessions, I developed a final iteration of the design. Suggestions for implementation strategies are included for successful deployment. Pilot testing with a small group of supervisors and their recipients is recommended as the initial next step.