"Before joining Nepmen's debt management program, I was struggling to keep my shop open while managing multiple high-interest loans. The workshop taught me how to negotiate with creditors and create a realistic payment plan. Within 8 months, I reduced my debt by 40% and improved my business cash flow. The skills I learned have completely changed how I approach both personal and business finances."

"As a teacher with a modest salary, I was overwhelmed by credit card debt and personal loans that seemed impossible to overcome. The Financial Discipline workshop helped me identify spending patterns I hadn't recognized and develop practical strategies to break those habits. The instructor worked with me to create a personalized debt reduction plan that didn't require drastic lifestyle changes. A year later, I'm nearly debt-free and have started saving for retirement."

"When I started university, I quickly accumulated debt through student loans, mobile money advances, and credit cards. The Reading Loan Terms workshop opened my eyes to the actual cost of these seemingly small loans. The instructors helped me understand the impact of interest rates and fees, which motivated me to create a debt repayment strategy. I'm now using the budgeting techniques to manage my expenses and avoid taking on new debt while completing my education."

"I run a small market stall and was using multiple loans to keep my business afloat, not realizing I was trapped in a debt cycle. The Nepmen workshop taught me how to separate business and personal finances, track my inventory costs, and manage seasonal income fluctuations. The instructors helped me develop a simple bookkeeping system that works for my literacy level. My business is now more profitable, and I'm steadily reducing my debt each month."