A life beyond debt.
At the heart of our work lies the profound impact we have on individuals’ lives. This year we highlight the most transformative stories, reminding us all why we do what we do.
Cedric Gladney-Porter
OnTrack WNC
Cedric worked with OnTrack WNC to rebuild his financial life. Overcoming past challenges, including a devastating house fire, he successfully caught up on his taxes and established a sustainable household budget with his spouse. Through dedication and weekly “money dates,” Cedric achieved lasting financial wellness. He is now actively saving for future travel, celebrating a renewed sense of stability and hope.
Hector Gomez
American Financial Solutions
After a divorce left him with over 21,000 dollars in credit card debt, Hector took control of his financial future. By enrolling in an American Financial Solutions Debt Management Plan, he eliminated his debt ahead of schedule in 2025. Now working at a bank, he leverages his new financial education to travel debt-free, support his mother, and start a family.
Chandra Hawkins-Black
Money Management International
After overcoming financial abuse and housing instability, Chandra partnered with Money Management International to reclaim her financial future. She completed a debt management plan in just 30 months, significantly increased her credit score, and built a new home. Today, this award-winning educator, published author, and NFCC Client of the Year advocates for personal agency through her platform, Black Sheep Home, inspiring others to achieve financial independence.
About the NFCC
Founded in 1951, the National Foundation for Credit Counseling is the oldest nonprofit dedicated to improving people’s financial well-being. With over 1,500 NFCC Certified Credit Counselors serving all 50 states and U.S. territories, NFCC nonprofit counselors are financial advocates, empowering millions of consumers to take charge of their finances through one-on-one financial reviews that address credit card debt, student loans, housing decisions, and overall money management.
