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 pre-purchase home buyer classes and counseling help clients decide whether homeownership is the best decision for them. These classes and counseling may also qualify clients for substantial down payment assistance programs.

Foreclosure avoidance and default intervention counseling is designed to help with whatever options there may be to save clients' homes, or get caught up on payments.

Reverse Mortgage Counseling is available for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.

Provides case management, counseling, financial counseling. Offers help on a case-by-case basis as funds are available for emergency rent, mortgage, or utility assistance.

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.

Provides pre-filing counseling about filing for bankruptcy and pre-discharge education.

Offers to help create a detailed strategy to manage finances throughout the military career and beyond. It includes budgeting, savings, debt management, insurance, retirement, tax and transition planning. Aimed at optimizing resources, mitigating risks and achieving financial goals, it's essential for stability and security.

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.

Financial education including monthly workshops to help individuals gain or regain control over their finances. One on one counseling is also available after completing the workshop.

Asset Management Individual Development Account (IDAs) are matched savings accounts which may be used for the purchase of assets such as buying a home, pursuing post-secondary education or vocational training, and starting or expanding a small business.

Opportunity Passport Account program helps youth leaving foster care become financially literate as they gain experience with the banking system. Youth amass assets for education, housing, health care, vehicle, investments and other specified expenses.

Advocacy, including reviewing credit report, preparing financial action plan, assisting with setup of debt repayment schedules, and ongoing review of household budget.

A protective service for limited-income seniors who need help managing their finances. Bill payer volunteers assist individuals who are able to make decisions about their financial affairs but who need help organizing bills and paying them on time.

Representative payee volunteers are appointed by Social Security to receive and manage benefits of a person who is determined incapable of managing his or her own finances. In contrast to the bill payer program, the representative payee signs the checks and has full control of the benefits. They pay bills and make sure the client's needs are being met.

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.

Provides budget and debt counseling and education. Also offers HUD-approved Housing Counseling and education including: pre-purchase, mortgage default and foreclosure prevention, bankruptcy counseling and education and credit report review.

Debt Management Program (DMP) also available for clients to pay unsecured debt (credit cards and loans) at reduced interest and fees.

An 8-hour pre-purchase homebuyer training course to prepare consumers for sustainable homeownership.

The class is offered in English and Spanish multiple times per month.

Offers education on home buying, taxes, business assistance, insurance, budgeting, loan, investments, credit scores, and checking and savings accounts.

Program is offered at the Mexican Consulate.

Provides volunteers to make home visits to the older person's home in order to assist with things such as check writing, bill paying, checkbook balancing, and general money management.