To Speak To a Financial Coach Call: 844-571-7801

CREDIT CARD

Secure Your Path to Better Credit

Build or repair your credit with our Secured Mastercard. Start with a secured deposit equal to your credit line, and you’ll be on your way to a stronger credit score in no time.

Learn More

Personal Loans

Manage Debt and Fund Life’s Big Plans

Simplify high-interest debt or cover major expenses with one manageable payment – a smarter choice than credit cards or payday loans. Borrow from $300 to $25,000.

Learn More

Happy financial advisor and senior man discussing paperwork and using tablet in dining room

Jumpstart Your Financial Journey This April!

Celebrate Financial Literacy Month!

Take the Financial Assessment for a chance to win one of two $100 Amazon gift cards. Available April 1 – June 30, 2026.

Terms & Conditions: No purchase necessary. Promotion administered by KOFE, not the partner organization. Complete the Financial Assessment between April 1 and June 30, 2026, to be entered for a chance to win one of two $100 Amazon e-gift cards. Winners will be selected on July 2nd and selected at random. Winners will be contacted directly by KOFE.

Take the Assessment

Courses

Ready to Master Your Finances?

Gain the skills you need to manage your finances confidently with our easy and interactive courses.

Take a Course

DEBT MANAGEMENT

Turn Your Debt Into a Plan

With the help of our debt management tools and expert guidance, you can break down your debt into simple, achievable goals.

Get Started

Budgeting

Your Budget, Your Rules

Take control of your spending and make every dollar count with this simple budgeting tool designed to keep you on track.

Start Your Budget

Coaching

Unlock Free Financial Coaching

Whether you’re managing debt, saving for the future, or just getting started, our financial coaches have the answers you need.

Talk to an Expert

Housing

Your Home Journey Starts Here

Renting, owning, or buying? No matter where you are in your housing journey, we’re here to help you navigate the market and find smart ways to save.

Get Expert Housing Tips

Teen Courses

Money Smarts for Teens

It’s never too early to learn money skills. Our teen financial courses make it easy to build smart habits for a successful future.

Get Started

Need a Little Financial Clarity? Take Our Quiz!

We’ll help you discover your financial strengths and areas for growth, complete with customized advice just for you.

Take Financial Assessment

Statistics for California and U.S. Households

1 in 5

Nearly 1 in 5 credit card owners are borrowing 90% or more of their available credit – 15% of these are Gen Z borrowers who have the highest delinquency rates among all other demographics

New York Federal Reserve

$1,225

The average American consumer is paying $1,225 a month in credit cards, mortgages and auto loans

Experian

1 out of 3

1 out of 3 Americans believe they’ll never own a home (38%)

Redfin

$1,506

Americans lost an average of $1,506 in 2023 due to financial illiteracy

Financial Educators Council

$67,724

The average Californian carries a debt load of $67,724, including credit card, auto, and student loan debts

California
Financial Educators Council

24%

24% of Americans have no emergency savings set aside, leaving them financially vulnerable in times of need.

Consumer Financial Protection Bureau

60%

60% of Californians live paycheck-to-paycheck, reflecting a national trend of financial instability

Millennial Money

28%

28% of Gen Z Californians seek financial advice from family rather than professionals, highlighting the importance of financial education for the entire family