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Directory · Credit & Money
Credit & Money help in Houston.
Free credit counseling, tax prep, debt help, savings programs. 18 hand-checked resources, updated 2026-04-26.
Always call ahead — hours, cost, and eligibility change. Emergencies: 911 · Crisis: 988 · Everything else: 2-1-1 (free, 24/7, 90+ languages).
BakerRipley Financial Coaching
1-on-1 financial coaching, free tax prep (VITA), credit-building products, IDA matched-savings, ITIN services.
Catholic Charities Beacon of Hope
Mailing addresses, ID recovery, day services, lunches — a launchpad for folks experiencing homelessness.
Civic Heart Community Services
Head Start, Comprehensive Energy Assistance (CEAP utility help), case management for families across Harris County.
Compass Working Capital
Family Self-Sufficiency program with HHA — rent increases as income rises but the difference goes into a savings account for you.
Emergency Aid Coalition
Walk-in pantry plus limited rent and utility assistance for Houston-area residents in crisis.
Family Houston
One-stop family services agency — therapy, financial coaching, parenting, senior support — all sliding-scale.
H-GAC Area Agency on Aging
Single phone line for seniors 60+ and caregivers — Medicare counseling (HICAP), benefits enrollment, in-home services.
Memorial Assistance Ministries (MAM)
Food pantry, financial assistance, ESL, citizenship, and one of Houston's biggest resale shops to fund it all.
Money Management International
Free credit and budget counseling 24/7, plus debt management plans that consolidate unsecured debt at lower rates.
Neighborhood Recovery CDC
HUD-approved housing counseling and down-payment assistance for first-time buyers, especially in northeast Houston.
Northwest Assistance Ministries (NAM)
Northwest Houston safety net — pantry, financial assistance, FHC charter school, and Family Violence Center with shelter and hotline.
St. Vincent de Paul Houston
Parish-based home visits — financial help with rent, utilities, prescriptions, plus pantries and the Mission of Yahweh shelter.
The Credit Coalition (Houston)
HUD-approved housing counseling: pre-purchase classes, foreclosure prevention, rental counseling, plus credit & budget coaching.
The Women's Resource
Free financial coaching for women and girls — Money Coaching, Bond Building, plus the Girls Empowerment program for teens.
United Way THRIVE
Network of partners providing free tax prep, career coaching, and budget tools so families build wealth, not just survive.
VITA — Free Tax Preparation
IRS-certified volunteers prepare your taxes for free if you make under $66k. Network of 30+ Houston sites every January-April.
West Houston Assistance Ministries (WHAM)
West Houston safety net — food, financial assistance, ESL, GED, free legal clinic monthly, and a resale shop.