Programs that provide assistance for people who want to build personal wealth, obtain credit and use it responsibly, access their credit reports and correct erroneous information, pay their bills in an orderly way, reduce their debt burden and/or manage their financial resources more effectively. The objective of money management programs is to help individuals and families become more financially stable and achieve long-term economic independence.

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Programs that provide emotional support, information and guidance in a variety of settings for individuals who are having difficulty controlling their compulsion to spend money they do not have.

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