Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.

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Programs that provide instruction in reading, writing and comprehension for individuals of all ages who are unable to read or write at a functional level. Some programs may include basic training in speaking, numeracy/mathematics and problem solving skills, so that trainees can become self sufficient and function well in society.

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