Independent organizations that represent low-income taxpayers in disputes with the IRS, including audits, appeals, and collection issues. They also provide education on taxpayer rights and responsibilities.

Provides free, confidential foreclosure prevention counseling and financial guidance to homeowners in distress. They help individuals navigate mortgage issues and avoid foreclosure.

The only official site authorized by the federal government to provide free credit reports from the three major credit bureaus. Monitoring your credit report is essential for managing debt and correcting errors.

Connects individuals with nonprofit credit counseling agencies that provide debt management plans, credit report reviews, and financial education. These services help clients manage debt and improve their financial health.

Provides personalized, one-on-one financial coaching to help individuals build credit, reduce debt, create household budgets, and set long-term financial goals. Services are offered at no cost to participants to foster long-term economic stability.

A ten-month coaching experience designed to support individuals released from correctional facilities with personalized guidance for successful reintegration and financial stability.

Provides free tax preparation services specifically for individuals aged 60 and older. Volunteers are trained to handle pension and retirement-related tax issues.

An online platform that allows individuals to file their federal and state taxes for free from home. It is designed to help users maximize their refunds through tax credits.

FOCs provide integrated services including one-on-one financial coaching, employment training, and access to public benefits. They help individuals build credit, manage debt, and increase net income.

Provides free budget and debt counseling to help individuals manage money, improve credit scores, and address debt issues. Certified counselors offer personalized guidance and debt management plans.

An online toolkit providing resources for career planning, education, and financial stability. It is specifically designed to help youth and young adults navigate their future.

A comprehensive toolkit designed to help individuals returning from incarceration manage debt, fix credit reports, and navigate financial products. It provides practical guides for financial empowerment during the transition process.

Provides credit counseling, debt management plans, and student loan counseling to help individuals regain control of their finances. They offer personalized assessments to address specific debt burdens.

A comprehensive financial education program that helps consumers build financial knowledge, develop positive banking relationships, and create savings plans. It includes modules on managing money, credit, and debt.

A free, three-session one-on-one coaching service that helps individuals build healthier budgeting, spending, and saving habits.

Offers free budget and debt counseling to help individuals manage credit issues and develop financial stability. They provide structured debt management plans to make repayment affordable.

First Step Alliance provides financial education, coaching, and access to second-chance banking for justice-involved individuals. They focus on helping formerly incarcerated people build credit and develop money management skills for successful reentry.

A comprehensive financial empowerment toolkit designed to help individuals, including those returning from incarceration, manage debt, fix credit reports, and avoid financial traps.

Provides resources and strategies for connecting tax filers with financial counseling, debt management, and foreclosure prevention programs. It helps organizations integrate financial coaching into existing tax assistance sites.

FECs provide professional financial coaching, tax preparation services, and assistance with debt management. They focus on helping community members achieve financial stability through personalized planning.

An online platform that connects taxpayers with IRS-certified VITA volunteers to prepare tax returns remotely. It is a secure way to access free tax help from home.

Provides free tax preparation services to low-to-moderate-income taxpayers. They focus on helping older adults but serve anyone who qualifies for the program.

Provides professional credit counseling, debt management plans, and budget coaching. They help individuals navigate credit issues and develop sustainable money management skills.

A comprehensive guide designed to help individuals transitioning from incarceration manage their finances. It covers debt management, credit repair, and accessing essential financial products.

A national non-profit that provides financial counseling, debt management, and education to help people build financial health. They assist with credit card debt, housing, and student loan concerns.

A non-profit agency offering credit counseling and debt management plans to help individuals regain control of their finances. They provide education and support to stabilize financial situations.

Clearpoint offers comprehensive financial counseling, including debt management, housing counseling, and bankruptcy education. They focus on helping clients create sustainable budgets and debt repayment strategies.

Accredited credit counselors provide debt management programs and financial education to help individuals get out of debt.

Provides free tax preparation services to people who generally make $64,000 or less, persons with disabilities, and limited English-speaking taxpayers. Certified volunteers help ensure taxpayers receive all eligible credits, such as the Earned Income Tax Credit.

The NRRC serves as a central hub for information on reentry, including financial stability, records clearance, and employment support. They provide toolkits and resources to help individuals successfully reintegrate into their communities.

The VITA program offers free basic tax return preparation to qualified individuals, including those with low-to-moderate income, disabilities, or limited English proficiency. IRS-certified volunteers help ensure taxpayers receive all eligible credits, such as the Earned Income Tax Credit.

A toolkit designed specifically for individuals involved in the criminal justice system to help them manage their finances, understand credit, and navigate financial challenges during reentry. It provides practical resources for both individuals and the organizations that support them.

ACCC is a nonprofit agency that provides free credit counseling and debt management plans. They help individuals review their finances and create personalized strategies to pay off debt.

An online service that provides free brand-name tax software to prepare and file federal income tax returns. It is a safe and easy way to file taxes electronically.

The TCE program provides free tax counseling and preparation services specifically for individuals aged 60 and older. Volunteers are trained to address pension and retirement-related tax issues.

A comprehensive financial empowerment toolkit designed to help individuals transitioning from incarceration manage their finances. It covers debt prioritization, credit report access, and choosing safe banking products.

Provides confidential financial reviews and personalized action plans to help individuals manage debt. They offer debt management plans to consolidate bills and lower interest rates.

An approved credit counseling agency that provides budget counseling and debt management education. They are recognized by the U.S. Trustee Program for bankruptcy-related counseling.

Offers online courses and educational materials on budgeting, credit building, and money management. These resources are designed to help individuals build long-term financial literacy.

Provides information on record clearance, expunctions, and certificates of relief. This helps individuals overcome barriers to employment and financial stability caused by criminal records.

A structured program to help individuals pay off debt through a single monthly payment to a credit counseling agency. The agency then distributes funds to creditors, often with reduced interest rates.

Provides information on ABLE accounts, which allow individuals with disabilities to save money without jeopardizing their eligibility for government benefits.

Provides resources on housing stability and financial assistance for low-income families. They offer information on rental assistance and tenant rights.

Provides resources for county-level reentry programs, including financial stability and employment support. They help connect individuals to local government services.

Local nonprofit agencies that provide budget counseling, debt management, and financial education. They are often affiliated with national networks like the NFCC.

Provides debt management services and financial education to help individuals regain control of their finances. They work with creditors to reduce interest rates and waive fees.

A nonprofit organization providing financial counseling, debt management, and housing counseling. They offer tools to help people pay off debt and improve their credit scores.

Provides credit counseling, debt management, and financial education. They specialize in helping individuals create manageable budgets and repayment plans.

Provides resources and guides on consumer rights, including debt collection, credit reporting, and student loans. They advocate for low-income consumers and provide educational materials.

A universal number for essential community services, including financial assistance, tax preparation, and housing support. Operators can connect callers to local resources in their specific area.

Provides a directory of attorneys who specialize in consumer bankruptcy and debt relief. This can be a resource for those facing severe financial distress.

Connects individuals to safe, affordable, and functional bank accounts that meet national standards. This program helps those who are unbanked or underbanked gain access to mainstream financial services.

Provides resources for managing money, understanding credit reports, and dealing with debt collectors. They offer a complaint system for issues with financial products and services.

A hub of information on reentry, collateral consequences, and records clearance. It provides toolkits and resources to assist individuals in successfully returning to their communities.

Provides free tax preparation services to low-to-moderate income individuals, persons with disabilities, and limited English-speaking taxpayers. Helps ensure eligible families claim tax credits and refunds.

MMI provides professional credit counseling and debt management services to help individuals resolve credit problems. They offer confidential sessions to review financial situations and provide actionable advice.

A program that places certified financial coaches in American Job Centers and non-profit organizations to provide one-on-one guidance. Coaches help clients create personalized plans for financial success, debt management, and savings.

Local community action agencies provide various financial services including tax preparation, financial coaching, and emergency assistance to help families achieve self-sufficiency.

A nonprofit agency offering credit counseling, debt management, and housing counseling. They help clients navigate financial challenges and develop sustainable spending habits.

Provides financial coaching tools and training to help individuals increase their net worth and financial security. They focus on working with organizations that serve low-income populations.

Centers that provide integrated services including financial coaching, employment services, and access to income supports. They help low-income families build long-term financial stability.

A national nonprofit that provides financial counseling, debt management plans, and student loan counseling. They focus on helping people regain control of their financial lives.

Offers free basic tax return preparation and electronic filing for low-to-moderate income individuals. Trained volunteers help taxpayers claim eligible credits like the Earned Income Tax Credit and Child Tax Credit.

Provides free budget and debt counseling services to help individuals improve money management skills and address credit issues. Certified counselors assist with creating sustainable financial plans.

A network of nonprofit agencies providing confidential financial reviews and personalized action plans. They help individuals consolidate debt, lower interest rates, and eliminate late fees.

A comprehensive toolkit designed to help individuals involved in the criminal justice system manage their finances. It provides resources for budgeting, debt management, and understanding credit.

GreenPath provides financial counseling, debt management plans, and student loan counseling. They work with individuals to resolve financial crises and build long-term money management skills.

Provides free tax counseling and assistance to older individuals, specifically focusing on pensions and retirement-related tax issues.

Provides free basic income tax return preparation to qualified individuals. IRS-certified volunteers help taxpayers prepare and file their federal returns.

The NFCC provides access to certified credit counselors who help individuals manage debt, student loans, and housing decisions. They offer personalized action plans to improve financial well-being regardless of income.

Free tax preparation and the Earned Income Tax Credit, which can mean thousands back.

Start.Pivot.Grow. is an AI-powered small business accelerator that offers $2,500 quarterly micro-grants to help established small businesses cover essential expenses and invest in growth opportunities. The funding is non-dilutive, meaning you don't give away any ownership of your business. Beyond grants, the program provides a 30-Day Growth Challenge, business-readiness tools, and resources to help entrepreneurs become 'deal ready' and accelerate growth — including initiatives for underserved communities like Southern Dallas. A solid no-debt, no-equity funding option for returning citizens running an established business.

The Wish Local Empowerment Program is a $2 million fund dedicated to supporting Black-owned small businesses across the United States. Grants range from $500 to $2,000 and can be used to help rebuild and grow your business — pay rent, cover operating costs, restock inventory, and more. Funds are distributed through Wish Local to help promote equality and diversity in American business. A straightforward, no-debt funding option for eligible Black entrepreneurs, including returning citizens.

The Awesome Foundation awards $1,000 grants every month with no strings attached to fund awesome ideas — including small business projects, community initiatives, arts, technology, and more. Each local chapter (organized by city or community) pools its own money and gives away $1,000 monthly to a project it finds awesome. There are chapters across the U.S. and around the world, so you can apply to the one closest to you. It's a simple application with no complex requirements — just tell them why your idea is awesome. Over $7.8 million has been granted across 7,800+ projects so far.

The Legacy Grant by Coach K gives away $1,000 every month to help aspiring entrepreneurs and existing business owners take their businesses to the next level. It's free to enter, and applications are accepted monthly. A simple, accessible funding option for anyone looking to start or grow a business — including returning citizens building a new path.

The Greatness Grant by entrepreneur Nehemiah Davis is a funding opportunity designed specifically for beginning entrepreneurs who are ready to take the leap but need financial support to kickstart their journey. The grant provides $2,500 in cash plus a 90-day mentorship program to help winners build and grow their business. Three winners each quarter receive cash prizes. Designed to help dreamers turn ideas into income — ideal for returning citizens starting their first business.

Hello Skip is an AI-powered platform that helps entrepreneurs build, fund, and grow their businesses. It offers several $1,000 Instant Grants awarded twice weekly (winners announced live), plus recurring $10,000 Big Skip seasonal grants open to all U.S. entrepreneurs and small business owners. Beyond grants, the platform includes an AI cofounder for daily business guidance, a business-plan generator, instant website builder, social media post creator, funding coach, lead-generation AI agent, and a business profile marketplace to list and sell products or services. A great all-in-one funding and growth resource for returning citizens launching a business.

Sky's the Limit is a 501(c)(3) nonprofit that supports entrepreneurs from underrepresented communities by unlocking social capital, skilled mentoring, and business funding — all at no cost to the entrepreneur. Members get access to startup grants (including $5,000 Big Dreams Grants), a global community of mentors, business education, and peer support. Past grant recipients come from a wide variety of backgrounds and industries. A strong, free resource for returning citizens and other underrepresented founders looking to start or grow a business without taking on debt.

The Amber Grant, awarded by WomensNet, gives away at least $30,000 every month to women-owned businesses. Each month three $10,000 Amber Grants are awarded: the Monthly Amber Grant (any women-owned business), the Monthly Startup Grant (for businesses in the idea/startup phase), and a Business-Specific Category Grant. One application covers all grants. Monthly winners also qualify for the year-end $50,000 Amber Grant. A simple, accessible funding option for women entrepreneurs — including justice-impacted women starting over.

Atomic Grants award four $1,500 cash microgrants to women small business owners each cycle. In addition to the cash grant, winners receive one-on-one strategy and culture coaching from leading consultants and a free one-year subscription. Designed to support women-led small businesses with financial aid, mentorship, and networking opportunities. A good option for justice-impacted women entrepreneurs seeking free funding that does not need to be repaid.

Galaxy Grants offers small business grant funding to traditionally underserved entrepreneurs, including women and minority business owners. While not specific to formerly incarcerated individuals, it is a useful funding option for returning citizens launching or growing a business who may not qualify for traditional financing. Grants provide free funding that does not need to be repaid — a particularly good option for justice-impacted entrepreneurs who prefer to avoid taking on debt. Fast and easy application process.

Entre Capital is a Community Development Financial Institution (CDFI) — the only CDFI exclusively lending to returning citizens. They provide competitive business loans and a 7-week Business Bootcamp with real mentorship for small business owners with felony convictions. Loans help formerly incarcerated entrepreneurs start or expand their own businesses, creating income and stability. Entre Capital combines funding with hands-on coaching because access to capital alone isn't enough — entrepreneurs need guidance to build a sustainable business. Serving returning citizens across Texas in partnership with PeopleFund.

The Fountain Fund is a 501(c)(3) nonprofit lender that provides low-interest microloans and free financial coaching to formerly incarcerated individuals who would not qualify for traditional credit. Loans (up to $15,000) can be used for vocational training, education, small business startup, work equipment/clothing, paying off court-imposed fines, and stabilizing finances. As of 2025, the Fund has extended over 1,075 loans totaling nearly $5.5 million. Borrowers also receive one-on-one financial coaching to build credit and achieve self-determined goals. Serving Philadelphia, Boston, and additional growing regions.

Free financial coaching, credit repair workshops, and money management classes. Learn how to open a bank account, build credit, create a budget, and avoid predatory lending. One-on-one coaching available.