Credit & Managing Debt


Upcoming events

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Germantown Campus (Building HT, Room 304), 20200 Observation Drive, Germantown, MD 20876
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 07 Feb 2012
    • 5:00 PM - 6:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 216), 51 Mannakee Street, Rockville, MD 20850
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Building a Better Credit Report

    • 07 Feb 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 20
    Register

    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Budgeting Workshop

    • 08 Feb 2012
    • 5:30 PM - 7:30 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 23
    Register
    Description: This presentation will be a practical combination of personal budgeting concepts and practice, and will be designed to meet the following objectives:

    1. What do I have now? (your assets, debts, etc);ie: establishing current financial condition
    2. Money attitudes: mine and my family's (brief survey) ie: clarifying basis of decision-making
    3. Goalsetting: identifying personal financial short, intermediate, long-term goals
    4. Budget development (a start..): planning cash inflow, cash outflow

    This class is provided by Dr. Judith Kizzie, a member of the Howard County Financial Education Alliance.

    Dr. Judith Kizzie is an Associate Professor of Business and Financial Planning at Howard Community College (www.howardcc.edu). The website for Howard County Community College financial planning is tinyurl.com/HCCFinPlngprog.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Germantown Campus (Building SA, Room 162), 20200 Observation Drive, Germantown, MD 20876
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 15 Feb 2012
    • 2:30 PM - 4:00 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Germantown Campus (Building HT, Room 216), 20200 Observation Drive, Germantown, MD 20876
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 23 Feb 2012
    • 12:00 PM - 1:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Rockville Campus (Building TC, Room 136), 51 Mannakee Street, Rockville, MD 20850
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Germantown Campus (Building SA, Room 162), 20200 Observation Drive, Germantown, MD 20876
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Federal Student Loans and Credit Overview for 1st Time Student Loan Borrowers

    • 29 Feb 2012
    • 3:00 PM - 4:30 PM
    • Montgomery Community College Takoma Park Campus (Building ST, Financial Aid Office), 7600 Takoma Avenue, Takoma Park, MD 20912
    • 10
    Register
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    In this presentation, you will learn about:
    • Student loan borrower's rights and responsibilities
    • Navigating the loan process
    • Tips on managing your finances, and
    • Understanding credit reports and scores.
    This class is provided by the Maryland CASH Campaign and CAFE Montgomery MD.

    The Maryland CASH (Creating Assets, Savings, and Hope) Campaign™: is a state-wide network of organizations that promote financial stability for working families. Our coalition includes Volunteer Income Tax Assistance (VITA) partners that provide free tax preparation services, promote access to high-quality financial services, and offer financial education and coaching.

    The Coalition for the Advancement of Financial Education, also known as CAFE Montgomery MD, promotes and delivers high quality financial education to County residents of all ages, communities and ethnic groups. CAFE Montgomery MD's goal is to provide the necessary tools for making informed decisions about saving, spending, borrowing and managing credit.

    Show details

  • Credit & Borrowing

    • 21 Mar 2012
    • 5:30 PM - 6:30 PM
    • North Laurel Community Center, 9411 Whiskey Bottom Road, North Laurel, MD 20723
    • 23
    Register
    Description:The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    This presentation will cover credit and borrowing. Participants will learn about:
    1) Defining Credit
    2) Uses of Credit, and
    3) Managing Credit

    This class is provided by Greg Clanzy, a member of the Howard County Financial Education Alliance.

    Mr. Clanzy is an Assistant Vice President/Financial Center Leader with BB&T at the Columbia Main Branch in Columbia, MD.  His primary function is to manage the overall branch in sales and operations as well as facilitate all deposit, investing and credit requests for  commercial and retail clients.
    Show details

  • Building a Better Credit Report

    • 08 May 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 25
    Register

    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

  • Building a Better Credit Report

    • 09 Oct 2012
    • 6:00 PM - 7:30 PM
    • Consumer Credit Counseling Services of Maryland and Delaware, Inc., 757 Frederick Road, 2nd Floor, Baltimore, MD 21228
    • 25
    Register

    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.


    By attending this class, you will learn how to:
    -Explain why credit scores change in relationship to spending and payment habits
    -Define the content of a credit report, and
    -Describe the impact of a positive or negative credit report and score


    The workshop is presented by a Certified Education Director from CCCS of Maryland & Delaware.


    This class is provided by:

    Consumer Credit Counseling Services of Maryland and Delaware, Inc.), www.cccs-inc.org


    CCCS of MD and DE (Consumer Credit Counseling Services of Maryland and Delaware, Inc.) was founded in 1966 to “promote economic self-sufficiency to individuals, families and communities through financial literacy education and counseling.” This not-for-profit agency promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education. Additionally, CCCS of MD & DE provides free financial counseling through the Maryland Money Helpline (1-877-254-1097).

    Show details

 
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