HOPE Inside programs
Six programs, one promise: the coaching is free to you. Coaches work from HOPE Inside locations across the country, often inside a partner bank branch or community site, and online.
One model in every program
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Educate
Free workshops and courses explain credit, budgeting, homebuying and business basics in plain words.
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Coach
A Financial Wellbeing Coach works with you one-on-one, in person or online, on a plan built around your goals.
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Connect
When you are ready for the next step, your coach helps you connect with the partners and resources to take it.
Together these programs work toward 700 Credit Score Communities®: neighborhoods with the credit strength to build lasting wealth.
Credit & Money Management
Sit down with a coach to read your credit report together, understand what moves your score, and build a budget around the life you actually live. From there you set a plan to pay down debt and put money aside, one month at a time.
- Reading and improving your credit report
- A realistic budget and savings plan
- A step-by-step plan to lower debt
Homeownership
Buying a first home is one of the biggest financial decisions most families make. HUD-certified coaches walk first-time buyers through getting mortgage-ready, understanding the steps from search to closing, and buying with a budget that still works after move-in day.
- Getting your credit and savings mortgage-ready
- The homebuying process, step by step
- Owning with a budget that holds up
Small Business Development
For aspiring owners, established businesses and Black entrepreneurs, coaching covers the plan, the business credit and the road to capital. It is also home to One Million Black Businesses (1MBB), launched in October 2020 with the goal of creating, scaling or growing one million Black businesses by 2030.
- Turning an idea into a working plan
- Business credit and access to capital
- One Million Black Businesses (1MBB)
Youth & Young Adults
Financial habits start early. Programs for school-age youth and young adults cover the basics of earning, saving, banking and credit, so the next generation starts the road with the knowledge many of their parents had to learn the hard way.
- Saving, banking and credit basics
- Programs for school-age youth
- Next steps for young adults
HOPE Inside the Workplace
Money stress follows people to work. Employers bring HOPE coaching to their teams as a workplace benefit they fund, so employees get the same free, one-on-one guidance on credit, budgeting and savings without leaving their jobs to find it.
- Funded by the employer, free to employees
- One-on-one coaching on credit, budget and savings
- Available in person or online
HOPE Inside Disaster
When a storm or a fire upends a household, the financial recovery can take longer than the physical one. Coaches help families prepare before a disaster and get their finances back on track after it. HOPE has worked in Puerto Rico since 2017 and in Maui after the 2023 wildfires.
- Preparing your finances before a disaster
- Recovery planning after one
- Rebuilding credit and savings
Ready to start?
Sign up for free coaching through the HOPE client portal, or call toll-free and a team member will help you find the right program.
Keep the coaching free
Programs are funded by corporate, bank, government and donor partners. Give, volunteer or bring HOPE Inside to your community.