Provides financial counseling which includes a review of income, expenses, and debt to create a plan for achieving financial goals. Offers tips on money management and alternatives for handling financial crisis. A wide range of education presentations, workshops and classes are available to groups of people of all ages on a wide variety of topics. The Debt Repayment Plan is licensed through the New York State Banking Department, and in addition to the financial counseling offers negotiated repayments in order to repay creditors and avoid bankruptcy. Also provides counseling for student loans.