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 that help people of all ages plan financially for retirement. Services may include a review of existing assets, retirement goals and expected retirement income and assets; analysis of options which may include work-related and individual retirement accounts, investments, savings accounts, trusts, annuities and insurance policies; and assistance in formulating strategies for money management, asset growth and protection, and realistic goal setting based on the client's age, current lifestyle, financial obligations and future earnings potential.

Programs that publish and distribute directories of agencies that provide human services for residents of the community and/or resource lists. Included are programs that produce directories/lists that focus on a specific geographical area, service category or target group as well as those that produce a comprehensive directory of all community resources.

Individuals who are generally between the ages of 18 and 25 depending on the ages that specific programs use for qualification.