Financial Education

Helping Families Achieve Financial Goals

About This Program


The Financial Education program offers a variety of programs to help families achieve their financial goals through Workshops, One-on-one Financial Counseling, Asset Building, and much more.  This program was launched over 5 years ago, reaching hundreds of participants through its Financial Literacy Academy, workshops, One-on-one Financial Counseling, and special events. All Financial Education programs are free, require registration, and are offered to the general public.

The Financial Literacy Academy is a six (6) week long, two (2) hours per week, program that uses the FDIC Money Smart Curriculum, teaching finance basics including creating a budget, credit building/repairing/protecting, banking & borrowing basics, and asset building.  The Academy is currently being offered virtually due to the Covid-19 pandemic. Participants attend the Academy via the Zoom platform twice (2) a week, for three (3) weeks; Tuesdays and Thursdays from 6pm to 8pm.

One-on-one Financial Counseling provides intensive financial management to program participants. Attendees work with Community staff on income vs. expenses, creating a saving and spending plan that works, building, repairing, and protecting credit, debt-to-income ratio, financial resources, community resources, and much more depending on the client’s specific situation.

Special events include the annual FinanciallyHers full day seminar that empowers women to be strong and independent financial decision makers by building their confidence and competency as it relates to their money decisions in life. Financial Literacy for High School Students teaches high schoolers real-world personal finance skills.

Financial Education events are offered quarterly in partnership with Lowell Public Schools. Each financial event boasts three to five (3-5) hour-long workshop choices on topics such as How to Create an Emergency Fund, Eating Healthy on a Budget, Steps to Investing, How to Pay for College, Debt Management, Resources in Your Community, and much more.

Volunteer Income Tax Assistance (VITA) has been offered and managed by Community Teamwork for over fifteen (15) years. Clients must qualify for the Earned Income Tax Credit to qualify for the free tax preparation services. Appointments are required. Please call 978-654-5676.

Program contact for all programs of the Financial Education Center:

Gladys Santiago, Administrative Assistant – 165 Merrimack Street, Lowell  01852 – 978.654.5673 –

IDA participant Juliet K., who was honored at Community Teamwork’s 2011 Annual Community Action Awards, tells the audience how the IDA program allowed her to purchase a home using IDA funds and that one of program’s partners, NMTW Credit Union, helped her secure her mortgage. She praises Community Teamwork and NMTW for her success.


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155 Merrimack St.
Lowell, MA 01852

Resource Center
17 Kirk Street
Lowell MA 01852

Financial Education Center
165 Merrimack Street
Lowell, MA 01852
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(978) 654-5725 Resource Center / (978) 654-5673 Financial Education Center / (978) 459-0551 Main
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