Financial Literacy Academy, A program of the Financial Education Center


Community Teamwork’s Financial Education Center is a Division of Energy & Community Resources

Financial Education

Asset Development

Secure Jobs


Programing at CTI’s Financial Education Center

165 Merrimack Street – Lowell, MA  01852


Financial Literacy Academy – FLA

The Financial Education Center at Community Teamwork will be holding its’ Financial Literacy Academy (FLA) starting in February. The FLA delivers a powerful introduction to personal finance management. Our hands-on approach offers an interesting and fun learning environment.
The FLA is free, offered once per week in the evening for six weeks. We provide dinner and *some childcare at no cost! Attendees will also receive a Certificate of Attendance.



Please call to register–Contact Gladys – call 978-654-5673 or email

Financial Literacy Academy
Tuesday evenings—
Time: 6:00-8:00 PM

Location: Community Teamwork’s Financial Education Center
165 Merrimack Street-Lowell, MA 01852

*call for more information on childcare
…Helping families achieve financial goals

The FLA offers a powerful introduction to personal Finance management. It is offered for 6 weeks, once per week for 2 hours.

We provide dinner and SOME childcare on a limited basis – (please call to learn more about childcare).

Attendees also receive a certificate of attendance.

Things to Know about the FLA

  • It is FREE
  • It is offered on Tuesday nights from 6pm-8pm
  • It is taught by CTI staff who are certified in Financial Social Work, Credit Repair and / or Tax Preparation
  • It is a fun way to learn about a sometimes, boring subject!

For more info contact: Gladys Santiago or call 978.654.5673 to register

Volunteer Income Tax Assistance

Why pay to have someone do your taxes when CTI will do them for free? VITA is offered to low-income individuals, and families who qualify for the Earned Income Tax Credit. Appointments are scheduled on Wednesday nights and Saturday mornings during tax season. Please call to learn more: 978.654.5676

One-on-One Financial Coaching

Do you have a financial goal you’d like to reach, need help repairing your credit, want some one-on-one assistance in creating a budget or with ways to decrease debt? Financial coaching is a smart way to get you started! Please call our office to schedule an appointment: 978.654.5725 / 978.654.5673

Certified financial coaches will work with you on ways to: Increase your monthly income; Eliminate and manage debt; Repair and improve credit; Understand and take advantage of tax credits; Create a savings plan


All programs are free and open to anyone. Registration is required.

In Honor of Women’s Month 2019


Community Teamwork’s Center for Financial Self-Sufficiency, in collaboration with Lowell Public Schools, presents our 8th Annual Women’s Conference

F i n a n c i a l l y H e r s – A Program of the Financial Education Center (Financial Education/Asset Development/Secure Jobs)

FinanciallyHers, offered during Lowell Women’s Week, is a seminar focusing on women and their personal financial journey. Workshops are designed to deliver up-to-date content that supports women and directly relates to issues faced in today’s economy. Our focus is to help women become financially independent by offering the right information, tools and resources.

Participants will choose a workshop, enjoy light snacks, spend time networking and receive a gift card.

*Free Event

This year we are spicing it up and instead of doing one event on a Saturday, wer are spreading out our offerings and holding them during the week, in the evening. Our focus is Building Assets…Building Me!

Treats and gift cards for attendees will be offered. Registration is required and attendance is limited. This event is open to CTI staff, clients, family members.



CTI’s Financial Education Center…Helping Families Achieve Financial Goals

Learn more about solutions for Finances

Learn more about our NEW Center for Financial Self-Sufficiency which opened January 2017!

 Listen to Chris-Santos Gordon, Director of the Center for Financial Self-Sufficiency, on WCAP Radio, discussing the new Center and the wonderful opportunities it provides.

Listen to Chris Santos-Gordon, Director of the Financial Education Center, discuss on WCAP980 radio the opportunities available at the Financial Education Center at Community Teamwork 2/6/18