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Free evaluations, assessments, and interventions for problem gamblers. Help line service available 24 hours.

Five week family education program for anyone who wants to learn more about the affects of addiction.

Individual and group counseling.

Presentations to schools, community groups, churches, lawyers, probation, judges and businesses.

Substance abuse evaluations and individual counseling.

Mental health assessments and counseling for individuals, couples, and families. Overspending assessments and counseling.

Financial budgeting assistance.

Anger management.

Provides help to individuals with develop and to achieve life goals. Offers participants social-emotional support and acts as a bridge in making connections to immediate needs, as well as developing life-changing skills. The program has 3 phases, each phase lasting 60 days. The participant will meet one on one with a Fountain of Youth professional each week to see how they are progressing with their goals and what can be done to help. This program consists of each participant making an individual success plan that pertains to one of the following areas: knowledge of self and others, citizenship, basic life skills, education, health and wellbeing, financial literacy and workplace success. The program is a minimum of 60 days commitment and a maximum of 6 months. 

Offers mortgage delinquency counseling, foreclosure intervention, and reverse mortgage counseling.

Certified consumer credit counselors provide confidential services free of charge. Customized services provided in person, by phone, or by internet/email include:

- Financial Counseling.

- Credit Report Counseling.

- Debt Management Plans.

- Education and Workshops.

- Comprehensive Housing Counseling.

Debt management plan assists clients who enroll in the program with managing their budget.

Works to improve the community’s social and economic conditions. Programs are offered in three core service areas of ducation, workforce development and money management.

Provides assistance to limited-income seniors who need help managing their finances. The level of care provided is based on the need of the person. The goal of the program is to assist low-income seniors and persons with disability (who are financially exploited) to assure independence and to prevent pre-mature institutional care and abuse.

The program helps with such bill-paying activities as opening and organizing mail, setting up budgets, and balancing checkbooks for seniors who remain in control of their finances, but need some help keeping things in order.

Representative Payee volunteers help clients manage their Social Security benefits, if the client is unable to handle his or her own finances. The Representative Payee volunteer manages and pays the client's expenses from an account into which the Social Security benefit is automatically deposited.

Negotiates with current creditors to lower or eliminate the interest rate (typically to 2% to 8%) and have clients debt-free in five years or less. There is no prepayment penalty. Clients can leave the program at any time, although the creditors may return the interest rates to previous levels. Regardless of how many creditors are owed, this program works on a single, consolidated monthly payment.

Provides individualized financial counseling to individuals and families. Aims to bring individuals and families out of poverty and improve the financial stability of low- and moderate-income persons throughout the city. Areas of service include:

- Improving credit score.

- Creating a savings plan.

- Reducing debt.

- General money management.

- Safe banking.

- Home ownership planning/management.

Material assistance including hygiene items for adults, children, and infants; food; furniture; household items including bedding, towels, kitchen utensils, silverware, plates, pots and pans, diapers, formula, etc.

Vouchers for ID and Driver's License fees.

Individualized referrals and budgeting assistance.

Transportation assistance in special circumstances, including gas vouchers and bus vouchers, for medical, immigration or housing appointments.

Provides personal loans to underserved individuals. The loans are aimed to give financial education and debt reduction while also increasing financial mobility through savings and wealth attainment. The aim of the program is to combat payday loans and predatory lenders.

Loan terms are 6-8 months, with a maximum loan amount of $525, with a 10% APR.

Provides financial training, coaching and information for underserved individuals or businesses in the community. Financial classes and other workshops are held through the Financial Empowerment Center.

Homebuyer education offers monthly workshops to help potential homeowners prepare for homeownership; one-on-one counseling is also available after completing the workshop.

Advocacy services include preparing mortgage plan, review purchase agreements, review credit reports, and assist with correcting incorrect information on credit reports.

Foreclosure prevention counseling.

Financial education.

Allows clients to establish an affordable repayment plan with their creditors. MMI acts as an intermediary, negotiating lower monthly payments and reducing/waiving interest rates and penalty fees.