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A car repair, a sick kid, a missed shift. Without savings, small emergencies become high-interest loans, and loans become years of debt. For ten years, we've been making sure they don't.
For the families we serve, the spiral is real. Just ask Christina.
"My mom got hospitalized and I used my entire savings to take care of her. So, I took out a loan to cover that. I didn't realize how high the interest rates were and got way behind. I constantly dread about debt… It's reassuring to know there are people out there who will help you." — Christina, Savings Collaborative member
Thirty-seven percent of Americans can't cover a $400 emergency without borrowing. Among the families we serve, nearly six in ten.
They work hard. They know what to do. But at 11 p.m., with the car on the shoulder, the payday lender is open and the good advice isn't.
A Swiss Army knife for financial resilience: saving, coaching, emergency loans, and learning, working as one system. And like Waze, it meets people inside the decision, surfacing the right tool at the right moment.
Ten years in, here's what we know: a national crisis gets solved the way savings get built, little by little, family by family. And the model does the multiplying. Each partnership, with a university, a housing program, or a public system, brings it to a whole community at once.
Real-life results
We count what we can prove. Every number here is a real family.
A blown tire in Denver. A tuition bill on a college campus. A rent increase anywhere in America. So we built a model that travels: embedded in universities, public programs, housing systems, and the organizations families already trust.
See how this looks in practice. Explore our partnerships →
Everyone has a role to play in building financial resilience.
We embed our coaching, tools, and learning into your programs—to strengthen the outcomes you're working toward.
Partner with us →Your support strengthens the coaching, tools, and guidance that help families save, reduce debt, and build generational wealth.
DonateStart saving, connect with a coach, and access tools designed to help you reduce debt, build credit, and move forward.
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