BALANCE
www.balancepro.net
Phone: 888-456-2227

This financial fitness program is free to credit union members and can help with:

• credit report reviews
• budget analysis and development
• debt management plans
• debt consolidation
• money management counseling

Arizona Workforce Connection
www.arizonaworkforceconnection.com

In addition to their computer database containing lists of employers seeking employees, their services also include but are not limited to:

• GED classes and testing assistance
• English as a second language classes
• Personality and skills assessment testing to help you find the right job for you
• Resume workshops for help writing or revising your resume
• Job search boot camp
• Workforce Investment Act grants to attend college or vocational training
• Help using the unemployment insurance web site

Making Home Affordable
www.makinghomeaffordable.com
This is a government website that outlines and facilitates the Financial Stability Plan to stabilize our housing market and help up to 7 to 9 million Americans reduce their monthly mortgage payments to more affordable levels. This specific link will take you directly to a page that includes self-assessment tools to determine if you are among the 7 to 9 million homeowners who may be able to benefit from the Making Home Affordable plan.

• The following link will help you locate a HUD certified counselor to assist you in determining your eligibility for the Making Home Affordable program.

  HUD Certified Foreclosure Avoidance Counseling
  http://www.hud.gov/offices/hsg/sfh/hcc/fc/
  From this website, search your local area for HUD Certified Counselors and agencies. These agencies will help you navigate the Making Home Affordable program, by determining your eligibility, and then providing direction and mediation with your mortgage lender free of charge.

Arizona Foreclosure Prevention Task force
www.azforeclosureprevention.org
Phone: 877-448-1211
Worried About Foreclosure? This government agency will provide Free Help and

• Tools for preventing foreclosure
• Find a housing counselor
• Education on how to avoid scam
• Legal resources

Hope NOW (National Foreclosure Prevention Alliance)
www.hopenow.com
Phone: 888-995-4673

Valley of the Sun United Way
www.liveunited.org
Phone: 602-263-8856
Toll Free: 800-352-3792

The United Way can help with past due utility, rent, or mortgage payments. They are also a gateway to many other community resources.

Arizona Department of Economic Security
https://egov.azdes.gov/CMSInternet/main.aspx?menu=232&id=2736

Click on the above link to file for Unemployment Benefits online. Then look for the blue link titled, “Apply for UI Benefits,” towards the bottom of the page. The instructions for filing are included on the web site.

The William D. Ford Federal Direct Loan Program
http://www.ed.gov/offices/OSFAP/DirectLoan/index.html
Phone: 800-557-7392
FAX: 800-557-7396
TDD: 800-557-7396

This resource can help with Student loan consolidations that include flexible repayment options including an Income Contingent Repayment Plan. “Income contingent,” means it is based on your income, so your payment will never be more than you can afford.

Community Information and Referral
www.cir.org
Gateway to resources in Arizona

Arizona Women's Education & Employment, Inc.
www.awee.org
This resource is Arizona’s preeminent workforce development organization, offering a diverse range of evidence-based training and support services throughout Maricopa and Yavapai counties. 

Southwest Job Network
www.southwestjobnet.com
This is a non-profit organization of business professionals who provide education in the job search process and all attendees have the opportunity to meet and work with people who offer support and guidance during employment transition

Local Hires
www.phoenix.localhires.com
Search local jobs, network with local people and discover local job resources in your community.

Credit
Cards

Home
Ownership

Identity
Theft

Kids &
Money

Loans &
Lending

Retirement
Planning

Financial Seminars presented quarterly by BALANCE

Wills & Trust Seminar

Financial Calculators