A nonprofit agency approved by the U.S. Department of Housing and Urban Development (HUD) as an intermediary housing counseling organization that offers: - Personal financial education and assistance in credit counseling. - Debt and money management. - Nonprofit debt consolidation. - Housing counseling including foreclosure prevention. - Rental eviction prevention. - Reverse mortgage. - First time homebuyer and pre-purchase counseling. - Bankruptcy counseling services. - Educational programs and materials. - Financial workshops held virtually and distance education courses. - Provides guidance about any of the federal student debt repayment options. - Certified Credit Counselors will review personal finances, such as income, expenses, and debts.