Programs, usually within the formal education system at elementary, secondary and post-secondary levels, that provide information and guidance on an individual or group basis for students, including students with disabilities, who are experiencing personal, interpersonal or family problems such as substance abuse, loss of a family member or friend, divorce of a parent, personal and sexual relationships issues, dealing with bullies; or problems that arise as a part of school or university life such as test-taking anxiety, fear of oral examinations or participating in classroom discussions, tension or inexpressiveness in difficult interviews or procrastination in studying.