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Tools to improve
financial well-being

Paying bills on time, saving for the future, or getting out of debt can seem impossible when money is in short supply. The Cooperative Ministry's Financial Empowerment Program offers one-on-one coaching to help people improve their overall financial well-being.

Program participants are matched with a certified Financial Health Coach or other qualified counselors to create a financial health improvement plan. The participant meets at least twice monthly with the coach/coordinator for up to six (6) months to review progress toward meeting the planned goal(s).

Participants earn program credits for achieving plan milestones. The credits are applied to rent, mortgage, or utilities, allowing program participants to fund savings accounts and pay down debt.

Participation in our financial health and empowerment services is open to anyone with a financial need whose household income does not exceed the low-income limits. The federal Department of Housing and Urban Development (HUD) established these limits for the Columbia, SC Fair Market Rent area. The income limit for a 4-person household is currently $64,500.

Program participants have accomplished such goals as:

  • Buying a home

  • Pre-paying funeral expenses

  • Increasing credit scores

  • Funding savings accounts

  • Qualifying for lower interest rates on major purchases

  • Reducing debt from unsecured loans and credit cards

For more information on our financial health and empowerment services, contact our coordinator at (803) 799-3853, ext. 606.



To increase the economic self-sufficiency of people experiencing poverty in the Midlands through crisis assistance and sustainability programs.