Vetted free courses, calculators, IRS-trained tax preparers, nonprofit debt coaches, and state homebuyer aid — sorted by topic & state.
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Free weekly podcast on personal finance, real estate, and FI. Beginner-friendly Q&A episodes.
Free pledge program with a 6-week text-coach series, savings strategies for moms, and military-spouse-focused content.
Federally mandated free credit reports from all 3 bureaus (Equifax, Experian, TransUnion) — weekly. The only legit free site.
Free Emmy-winning PBS show + lesson plans teaching money & entrepreneurship to kids 8–16.
Free wiki + forum for beginner investing using low-cost index funds. Best free intro to retirement investing on the internet.
Down-payment & closing-cost grants for low-to-moderate-income California buyers. Pairs with HUD counseling.
Federal toolkit covering budgeting, saving, debt, credit, and dealing with debt collectors. Worksheets you can print.
Federal free registry to block telemarketing calls. Doesn't stop scams entirely but reduces them.
Free search for down-payment assistance programs by ZIP. Many forgive after 5 years of living in the home.
Free explainer + estimator for EITC and the Child Tax Credit. Single moms often qualify for $4k–$8k in refundable credits.
Free tool that adds your on-time utility, phone, and streaming payments to your Experian credit file — average 13-point boost.
Florida Housing offers low-rate mortgages + up to $10k DPA for first-time buyers (incl. moms).
Free guides to spotting payday-loan scams, gift-card scams, fake job offers, and 'you owe money' robocalls. Spanish included.
GA state DPA up to $7,500 for first-time buyers, plus a HUD-certified course.
United Way + Code for America. Free virtual tax prep for under-$66k households. Average refund $2,500.
Free interactive course (with bilingual videos) on banking, credit, budgeting, and major life events. Earn a certificate.
Step-by-step letters and rights for fixing credit-report errors. Free templates.
Free HUD-certified 1:1 counseling for first-time buyers. They help with down-payment programs and credit prep.
Illinois Housing Development Authority — DPA + 30-year fixed mortgages for low/mod income buyers.
Federal beginner center: how to start a Roth IRA, what fees to avoid, and how to spot investment scams.
Free in-person + virtual tax help from IRS-certified volunteers for households earning ≤ $67k. Maximizes EITC and Child Tax Credit.
Free video lessons on budgeting, taxes, credit, and investing. Self-paced, no signup required.
Find a free legal-aid lawyer for collection lawsuits, garnishments, and bankruptcy questions. Income-based eligibility.
Free CFPB activities to teach kids about money from age 3 through teen. Conversation starters + games.
Michigan State Housing DPA + free homebuyer education.
Free 1:1 phone session with a nonprofit certified counselor. Budget review, debt management plan, no upfront fees.
State-of-NY mortgages with low down payments + DPA up to $15k for low/mod income buyers.
Free CFPB sample letter to legally stop collection calls. Know your FDCPA rights.
Texas state down-payment assistance + mortgage credit certificate for first-time and veteran buyers.
Free podcast + 22-day money makeover for women, especially Black women, recovering from financial trauma.
Free nonprofit web app that helps qualifying low-income filers complete a Chapter 7 bankruptcy without a lawyer.
WA state DPA up to $10k + free 5-hour homebuyer course (online or in-person).
You Need A Budget hosts free live online classes (no software purchase needed) on getting started with zero-based budgeting.
Reports a small loan to all 3 bureaus while you save the money. Useful if you have no credit. Compare fees vs secured cards before signing.