TOGETHER WE’RE ACHIEVING (TWA) – Together, We Can Change Lives

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Empowering
Financial
Futures

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Free year-round financial education and credit repair
for underserved communities.

Financial Literacy
That Works

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Helping individuals budget, save,
and build lasting wealth — at no cost.

10+

Years of work experience

Who We Are

Together, We’re Building Financial Confidence

Together We’re Achieving (TWA) is a nonprofit committed to breaking the cycle of poverty through free financial literacy and credit repair programs. Designed for underserved Black and Hispanic communities, our year-round education model empowers individuals to take control of their money and build lasting wealth.

Free, accessible financial education all year long
Hands-on credit repair support for real results
Programs tailored to youth, families & small business owners
Community-focused approach with expert-led sessions
In-person & online learning options for maximum reach

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Financial Literacy Education

We offer free, year-round courses on budgeting, saving, credit, debt, and investing — empowering people with the tools to make smarter financial decisions.

Credit Repair Services

Our experts help individuals understand credit reports, fix errors, and build better credit scores, opening doors to better financial opportunities.

Hands-On Training

Through workshops and simulations, we go beyond theory to ensure participants can apply financial knowledge confidently in everyday life.

Community-Based Delivery

We operate learning centers and partner with local organizations to make our services easy to access, culturally relevant, and rooted in real community needs.

Be Part of the Change

Together, We Can Break the Cycle of Poverty

Financial literacy is more than just numbers — it’s the foundation for opportunity, stability, and growth. At TWA, we’re building stronger communities by equipping people with the tools to succeed. Whether you’re here to learn, support, or spread the word — your involvement makes a difference.

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Youth & Families

We equip the next generation with essential money skills — from budgeting to managing student loans — setting them up for long-term success.

Entrepreneurs & Community Leaders

We support business-minded individuals and changemakers with the financial tools to grow, lead, and uplift their communities.

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I’ve seen TWA’s team in action — their workshops are full of energy, empathy, and real-world knowledge. It’s rare to find a program so deeply committed to community growth.

Angela Rivera Community Center Director

The passion behind TWA is inspiring. I’ve attended their sessions and watched people walk away feeling hopeful and empowered to make better financial choices.

Darryl Johnson Local Youth Mentor

What stood out to me is how TWA tailors its approach to real people — not just numbers. Their credit repair program is already making a visible difference in our neighborhood.

Melissa Chen Small Business Consultant