When Stephen Ky reflects on what led him to study financial literacy, he points to two powerful influences: his upbringing as the child of refugees, and his own lived experience of navigating financial hardship after leaving a coercive and violent relationship.
“Education was always presented as the one thing no one could take from you,” Stephen explained. “Even when life feels unfair or unstable, learning can open doors.”
That belief became even more important during one of the most challenging periods of his life. After enduring coercive control and domestic violence, Stephen found himself facing significant financial difficulties. With support from the National Debt Helpline, who provided templates, guidance, and encouragement — he successfully negotiated with creditors and had several debts, including BNPL liabilities, waived.
Their support also planted a seed.
“It sparked the desire to be the person I wish I’d had when I was going through hard times. Financial counsellors play a crucial role for people experiencing domestic and family violence, and I truly understood that once I experienced it firsthand.”
Choosing to Study to Help Others
Stephen decided to study financial literacy to equip himself with the tools to support others and to break down the shame that often surrounds conversations about money.
“I want to help people understand their relationship with money and make changes that help them feel more comfortable and in control,” he said.
But returning to study wasn’t easy.
“I always felt like the circumstances needed to be perfect before I could start. I didn’t feel ready.”
With encouragement from ICAN Learn’s Natasha and Kerry White, Stephen took the leap.
“Six months later, I felt confident and comfortable. I even enrolled myself in the financial literacy education course. Things worked out, and I’m grateful for the support ICAN Learn provided.”
Opportunities Opened Through Study
Stephen’s commitment to his studies has already opened new pathways.
Currently completing the CHC51122 Diploma of Financial Counselling and having finished the CHCSS00077 Financial Literacy Education skill set, he has been offered a volunteer role with Good Shepherd.
He will begin as a Financial Inclusion Officer at a GoodMoney store in January.
“These opportunities mean a lot, and I’m hopeful they will lead to more ways to contribute to the community and support people experiencing financial difficulty.”
What Stephen Values Most About ICAN Learn
For Stephen, the standout of his ICAN Learn experience is the depth and quality of teaching.
“The lecturers bring so much real-world knowledge. We learn how complex cases can be and how to respond appropriately. We’re always reminded that our role is to work with clients, not for them.”
He says this guidance has been invaluable in preparing for assessments, placements, and future client work.
A Final Message to Others Considering Study
Stephen is clear in his encouragement:
“It’s a course worth starting. It has given many people with lived experience a pathway into community services — a chance to make a difference in the lives of others who have experienced what we have.”
