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Payday Loans
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Payday loans are very expensive and can become hard to pay back. Listed here, you will find several alternatives to obtaining a payday loan that you may wish to consider.

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Personal Financial Management for Debtors
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The Credit Education Bureau of Rochester offers courses on personal financial management for debtors, financial survival, building a strong financial future and other courses related to financial planning.

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Tax Credits for Working Individuals, Families and Seniors
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CA$H is a Capital Region coalition, which the United Way oversees, that can offer you tax assistance and tools for long-term financial stability. There are CA$H chapters based in Albany, Schenectady, Rensselaer, Schoharie and Saratoga Springs. Find your local chapter to see upcoming workshops and events.

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Tax Preparation Assistance for Free
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If you are a low- or middle-income worker, learn more about a free, IRS-sponsored program that allows you to have your taxes prepared and filed electronically at no cost.