Financial Empowerment Program

EMPOWER YOURSELF!

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Did you know that someone with a “bad” credit score will pay $250,000 more than someone with a “good” credit score over
a lifetime? This is due to the borrower with the lower credit score having to pay higher interest rates because they are
considered to be a higher credit risk.

Research from the Institute for Educational Leadership & Evaluation shows that the combination of personalized financial
counseling, an educational program, and a Debt Management Plan (DMP) provided the greatest increase in credit scores.
If debt isn’t a problem for you, the combination of education and financial counseling can still help you change your score
and your life.

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CCCS of Central Oklahoma is pleased to announce the Financial Empowerment Program (FEP). The FEP will give you the tools to become a wiser consumer and better money manager.

This exciting program offers:

• 12 hours of classroom education or optional self-study

• A 295 page book titled "Credit When Credit is Due"

• Personal counseling with a certified credit counselor

Cost for all classes and materials is $60.00 per participant (A participant’s spouse may attend for only $20.00).


An optional Debt Management Plan (DMP) provides clients with:

• A debt repayment plan which may include reduced interest rates, waived late and over the limit fees, account re-age, and repayment in 5 years or less

• Additional personal counseling throughout the program.

Cost for all classes and materials $50.00 per participant plus a one-time DMP set up fee of $35.00. (A participant’s spouse may attend for only $20.00)


Financial Empowerment Program Brochure