Our programs are FREE of any charge and are focused and customized for each group


High School Program -

This program is focused on BASIC financial education of the High School student in preparation for entry in the job market or college years. The Council feels that these formative years are important in order to establish proper direction for BASIC budgeting practices, BASIC concepts about spending and savings, BASIC concepts of credit card management and the BASIC concepts of credit management.
Topics include the significance of understanding the proper use of credit and analysis of credit reports and the affect of credit issues connected with job applications.

Special attention is paid to Junior and Senior year students to advise them of the proper management of credit cards and loans. Programs will be offered that will review AUTOMOBILE purchase agreements and loan applications

College Level Program -

This program is focused on BASIC financial education of the College student in who preparation for entry in the job market or college years. The Council feels that college years are important in order to establish proper direction for BASIC budgeting practices, BASIC concepts about spending and savings, BASIC concepts of credit card management and the BASIC concepts of credit management.

Emphasis will be placed on debt control in order to avoid the typical "Debt Trap" of college students, some of which drop out of college due to credit issues. 

Topics include the significance of understanding the proper use of credit and analysis of credit reports and the affect of credit issues connected with job applications.

Programs will be offered that will review AUTOMOBILE purchase agreements and loan applications; APARTMENT lease agreements, and HOME purchase agreements and PAYDAY loans.

SAVINGS programs, basic RETIREMENT concepts, BUDGETING, CHECKBOOK reconciliation and HEALTH CARE contingency programs will also be offered.

Consumer Programs - (Adults)

These programs will be customized to each group according to parameters established by the requesting community group. Topics covered will be BASIC credit issues pertaining to topics that include the significance of understanding the proper use of credit and analysis of credit reports and the affect of credit issues connected with job applications. 

Programs will be offered that will review AUTOMOBILE purchase agreements and loan applications; APARTMENT lease agreements, and HOME purchase agreements and PAYDAY loans.

SAVINGS programs, basic RETIREMENT concepts, BUDGETING, CHECKBOOK reconciliation and HEALTH CARE contingency programs will also be offered.

Areas of special concern will be addressed as requested by the requesting group.

Military Programs -

These programs will be customized to Military personnel and families according to parameters established by the requesting group. Topics covered will be BASIC credit issues pertaining to topics that include the significance of understanding the proper use of credit and analysis of credit reports and the affect of credit issues connected with job applications. 

Programs will be offered that will review AUTOMOBILE purchase agreements and loan applications; APARTMENT lease agreements, and HOME purchase agreements and PAYDAY loans.

SAVINGS programs, basic RETIREMENT concepts, BUDGETING, CHECKBOOK reconciliation and HEALTH CARE contingency programs will also be offered.

Due to the atypical situation of those in the Military and the pressures on Military Family life, foreclosures are four times higher than the average American family. If requested, personal consultations will be available to review individual cases of our Country's heroes. Updates to recent legislation will be reviewed carefully with participant.

Senior Citizen Programs-

These programs will focus on BASIC budgeting, Reverse Mortgage Programs and SCAM prevention.  Retirement program management issues will be covered to maximize available benefits to Seniors.

Areas of special concern will be addressed as requested by the requesting group.

Impartiality and no commercial agenda

The Council welcomes the opportunity to serve all individuals, no matter what their nationality, age, race, religious beliefs, social or economic class or political beliefs.  

The Council will educate and act independently  of any commercial interest.