Services and programs include: Budgeting (education and counseling), Aging Populations Services (bill pay services, Senior Financial Care Program), Credit (education, counseling, credit report/score counseling, long-term follow-up), Debt (education, debt management plans, student loan debt counseling), financial education, fraud and identify theft, benefits checkup, small business counseling, financial management for disabled and vulnerable clients, and a comprehensive housing program (homebuyer education, homeownership counseling, home maintenance education, home loan modifications, reverse mortgages, foreclosure prevention, rental counseling, down payment assistance, (Community Partner Loan Pool).