Offers highly personalized financial education program that gives consumers tools necessary to gain control over their finances.

* Offers financial coaching and planning.
* Provides homebuyer education.
* Participates with lenders to offer down payment assistance.

* Offers the Financial Care Management program which provides bill and money management services. Financial housecleaning. Monthly bill paying tasks. Insurance submissions. Can be done under power of attorney if desired.* Offers the Financial Management program. In-home budgeting, bill paying, debt resolution assistance by trained volunteers.

Counseling to help individuals with disabilities working or transitioning to the workforce improve financial well-being and economic security through: financial health assessment and education one-on-one financial coaching SSI/SSDI benefits counseling, maximizing employer benefits specific assistance with: setting and achieving personal financial goals/preparing monthly livable budget reviewing and improving credit scores decreasing debt and increas savings protecting against identity theft learning banking procedures, such as writing checks and using debit cards

Provides a food pantry and assists with food and other emergencies such as utilities, fuel, and shelter. Also works with families in the area of family development, including budgeting as well as job skills and job search assistance.

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.

* Provides one-on-one financial counseling services. Counselors can assist with developing a plan to pay down debt, budgeting and saving to buy a car or home, improving credit score, accessing low-interest loans, and other financial issues. Counselors are located throughout the city at partner organization sites so clients can access a counselor in a convenient location. For a full list of Rochester FEC locations visit https://www.rochesterfec.org/locations. * COVID-19: During the COVID-19 pandemic the Rochester FEC counseling team is prepared to assist clients with the following: Navigating collection accounts. Calling creditors. Ongoing budget assistance. Exploring student loan options. Help developing saving habits. Educating clients of future savings & options (i.e. retirement, children's education, etc.).

As part of the HUD Counseling services, will help you review all your expenses, identify areas that need assistance, and create a timeline to gradually bring you out of debt.

*Provide direct assistance to low-income individuals and families by providing case management services through a series of assessments. Assistance based on need and includes rent, security deposit, mortgage, utilities (such as gas, electric, heating, water, and sewer), auto insurance and repairs, personal hygiene items, diapers and wipes, furniture, as well as gasoline and bus passes for employment-related services. * Provides information and referrals to the appropriate resources or agencies. * Provides personal financial counseling.

* Provides assistance to families in need. Services include:

• Referral to community and government services
• Rent assistance
• Transportation related expense assistance
• Utility/Heat assistance

Emergency Housing Provides comprehensive services to at-risk and homeless households to promote retention and maintenance of safe, affordable housing, access to support services and provides case management.Housing Services Provides housing education, counseling, and budgeting guidance for renters, homeowners and potential homeowners.Transitional Housing Provides supports and financial assistance to victims who have become homeless as a result of fleeing an abusive situation.

Provides supports and raising awareness for community families through one-on-one advocacy, and support, goal setting, budget development and individual attention as well as larger community presentations, increased access to services, and referrals to appropriate community resources.

Pre purchase counseling. All aspects of purchasing a home as well as what to expect as a homeowner will be discussed.

* Provides financial education, counseling services and debt relief to consumers.

* Assists area seniors to gain control of their finances and maintain their independence. Home visits made by program volunteers to assist in the process of paying bills on time, organizing billing cycles and budget bank accounts.

Provides a food pantry and assists with food and other emergencies such as utilities, fuel, and shelter. Also works with families in the area of family development, including budgeting as well as job skills and job search assistance.

Teaches classes and provides printed nutrition information for all economic groups. Provides nutrition educators who go into homes to help families learn to stretch food money while feeding their families nutritiously. Aimed at persons with relatively low income, especially young families with children.

Offers one-on-one HUD approved housing counseling designed to present the basics of personal finances, to help establish good credit and/or repair bad credit, to assist participants in making the transition from renter to owner or to help resolve mortgage delinquency and/or prevent foreclosure.

Offers education, counseling, and support services, including financial counseling, budgeting education, debt management and liquidation assistance, consumer advocacy and complaint resolution, and Family Subsistence Supplemental Allowance screening (FSSA).

Services include budget planning, financial education, resource referral, and debt management. Debt management is a renegotiation of the unsecured debts owed by a client with their creditors in order to get better repayment terms such as lower interest rates, waiving or reduction of fees, and re-aging of accounts in exchange for a consistent consolidated monthly payment made by the client. This is NOT a debt settlement program.

* Provides assistance to families in need. Services include:

• Referral to community and government services
• Rent assistance
• Transportation related expense assistance
• Utility/Heat assistance

1 on 1 counseling to assess current financial situations and create goals for the future.Alleviate financial stress

Limited emergency financial assistance to Tioga County, NY residents only. Job board. Financial assistance determined on case-by-case basis and may available for security deposits, emergency prescriptions, heating assistance and utilities to avoid shut-off. Offers budget counseling. Depending on donations, may have school supplies.

Offers monthly money management workshops to assist families understand credit scores and develop savings, and debt reduction plans.