Programs that provide assistance for individuals who are having difficulty meeting their financial obligations and, as a result, may be faced with bankruptcy or loss of their home or property.

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.

Programs developed and staffed by former refugees and immigrants that help newly arrived people from their previous country or region of residence begin a new life in the U.S. Mutual assistance associations address the unique cultural needs of the specific immigrant/refugee population they serve and provide a variety of services including cultural adjustment support, English language instruction, interpretation/translation services, housing and employment assistance, transportation, clothing and furniture, as needed, small business development assistance and help in accessing other social services.

Individuals from other countries who have come to the United States to live permanently.

Individuals whose nationality, ethnic background and cultural ancestry are those of one of the countries and peoples of the continent of Africa.

Individuals who are either citizens of Ethiopia or who identify themselves as part of the Ethiopian community. Ethiopia is a country in east Africa. The official language is Amharic.

Individuals who identify themselves as part of the Somali community. Somalia is a country in east Africa, although without any effective national government due to lengthy civil war. Breakaway governments operate in Somaliland and Puntland. The official language is Somali.