Researchers have documented links between a number of behavioral issues and homelessness, including the following: limited/no social networks; social isolation; proneness of victimization; history of emotional, physical, sexual, and substance abuse; lack of education; and anxiety resulting from inadequate physical space. The possible benefits of self-directed learning (SDL) readiness in relieving the depression and symptoms of psychological trauma associated with the stressors linked to homelessness have already been established as have the similarities between the recognized cognitive treatment for forms of depression and the techniques used to develop SDL learning readiness. Social exchange theory and attachment and loss theory also shed light on the role of SDL readiness in helping homeless individuals, many of whom are from fragmented or abusive backgrounds. Implicit in the question of what SDL readiness can do to alleviate homelessness and its attendant psychosocial problems is the question of what SDL readiness can do to improve and lessen the frequency of circumstances preceding and contributing to homelessness. The documented benefits of self-help and goal setting in alleviating homelessness confirm that appropriate modules in SDL have much to offer homeless individuals and individuals living marginal lifestyles. (Contains 73 references.) (MN)