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According to your text, one of the best treatments for SAD is
Credit Counseling
A service that offers guidance on how to improve credit scores and manage debt effectively.
Not-for-profit Organization
A not-for-profit organization is a type of organization that does not earn profits for its owners but uses the funds for its goals.
Freshmen
Students in their first year of study at a secondary or postsecondary educational institution.
Strategic Plans
Long-term organizational goals and the strategies to achieve them, typically involving an analysis of internal and external factors impacting the organization.
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