Assists families and individuals in need by providing free financial education, community outreach, and housing and credit counseling services. Nationally, they provide a wide range of services including their core services of: - Budget counseling. - Financial education. - Debt management program. - Student loan counseling. - Bankruptcy pre-petition counseling and pre-discharge education. - Housing counseling in the areas of pre-purchase/home buyer education, default/foreclosure prevention, and reverse mortgages.