We're here to help.

Our trained and certified credit and housing counselors are ready to provide the financial guidance and support you need. Select any topic below for more information.

Aging population Services

Our Senior Financial Care® (SFC) program works to help adults aged 60 and older improve the management of their finances so they can live independently and age in place.


A budget or spending plan is a plan for how to use the money you earn (income) to pay for expenses, set aside as savings, repay debt, and achieve your goals. Your overall financial situation is considered when creating a personal budget.

Debt Management

Debt is money owed by a borrower to a lender or creditor. Debt is different from an immediate purchase because it is a deferred payment, or series of payments, owed in the future. Examples of common debt include car payments and home mortgages.

Fraud and Identity Theft

Anyone can become a victim of identity theft — more and more people are falling victim to this type of crime each year. Exposure of your personal information can put you at greater risk.


An individual is a homeowner when they own the home in which they live, whether it be a home, townhome, or condominium.

Student Loan Debt

A student loan is money one borrows, usually with interest, to help pay for education expenses beyond high school, such as tuition and fees, books and supplies, and living expenses. Student loans have to be repaid; usually grants and scholarships do not.

Credit Counseling

Credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of a borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A credit score is a three-digit range between 350 and 850 intended to predict an individual's creditworthiness or how likely they are to repay debt.

Financial Education

We provide a wide range of educational opportunities, from how to overcome a financial crisis to achieving financial goals. These include classes and workshops on basic finances as well as specialized credit, mortgage, and homeownership topics.

Home Downpayment Assistance

The Community Partners Loan Pool (CPLP) can provide qualified home buyers with down payment assistance.

Representative Payee Program

Financial Pathways provides services under the Social Security Administration’s (SSA) Representative Payee program, which was created by the federal government to assist vulnerable recipients of Social Security benefits.