This independent learning packet, which is designed for administrators, teachers, counselors, and tutors in Pennsylvania's Region 7 Tri-Valley Literacy Staff Development area as well as for their adult students, examines the following seven problems encountered by students: the job market, child care, single parenting/parenting skills, divorce, health, alcohol/drug addiction, and domestic violence. The packet begins with a list of terms/definitions and a pretest. Presented next are sections on each of the problems considered. Each section ends with a seven-county phone listing of agencies providing more expertise on the particular problem. Various sample forms and checklists are provided throughout the packet, including the following: list of steps in assessing employment qualifications; interview checklist; sample resume sheet; guidelines for selecting child care centers; child care center information sheet; guidelines for single parents; issues to consider when deciding whether to separate/divorce; guidelines for proceeding through the divorce process; guidelines for selecting therapists; basic information about communicable diseases; and list of steps in the domestic violence healing process. Concluding the packet are a posttest, and a learning packet evaluation form. An appendix contains supplementary magazine articles examining strategies for solving the various problems discussed. Contains 53 references. (MN)