Phone (419) 784-5136 | Address: 1933 E 2nd Street Defiance, Ohio 43512

Proudly Serving Northwestern Ohio

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Financial Empowerment


The NOCAC Financial Empowerment Continuum focuses on three major program components to remove barriers and promote financial stability for low- income participants. Participants can enter and participate at any level of the continuum; however participants with the most significant barriers will be assessed for entry at the beginning and encouraged to continue personal development by working with all levels of service.

Financial Literacy and Education

Getting Ahead In A Just-Gettin’-By World: A 6 week course that equips people with a history of generational poverty with the resources and support to create personal and community change so that their families are no longer “just getting by.” Participants learn how poverty impacts their life and how to develop goals and actions plans to overcome common pitfalls.

Getting Ahead Plus (GA +): This newly developed course will facilitate the transition from Getting Ahead graduation to enrollment in other Financial Empowerment services. Working in small groups, Getting Ahead graduates will self-assess resources, identify goals, connect with the community through volunteerism, and build relationships (social capital) necessary to continue on the path to self-sufficiency.

Financial Literacy Classes: A series of classes offered on a quarterly rotation. Topics include:

  • money management
  • budgeting
  • understanding credit reports and scores
  • credit repair
  • dealing with debt
  • how to prevent predatory practices
  • resume basics
  • principles of interviewing.

Participants can choose to attend as many free classes as they wish. Check the Events Calendar for upcoming trainings.

Financial Coaching

Financial Coaching: NOCAC provides one-on one financial coaching opportunities to help low-income families and individuals improve their ability to make well-informed financial decisions. Each coaching session is specific to the needs and interests of the participant, however, common themes include defining priorities, budgeting techniques, financial management, credit repair and individual goal attainment strategies.

Savings and Asset Development

Asset Development Accounts: Participants benefit from a matched savings program that allows them to establish a pattern of savings and work towards developing a long term asset. Savings can be used towards home purchase, post-secondary education, or business startup. This program will end September 30th, 2019. (Plans are in place to develop a replacement)

Accelerated Savings: Partnerships with local financial institutions, including banks and credit unions, provide opportunities to educate low-income customers about financial products such as savings accounts and low-interest loans.