Form 1 AFI Financial Eduation Practices Study

APPENDIX B

Survey of Financial Education Practices of AFI Grantees

In this survey, we would like to get an overview of the basic financial education (FE) programs offer to AFI participants. We consider basic FE to be basic money management skills, credit, banking services, etc. Asset specific training for home ownership, business ownership and post-secondary education will be covered in separate survey modules. This information will be used to provide technical assistance to AFI grantees to help improve future training offered to AFI participants.

Topic	Financial Education for AFI Participants
FE Contact Information	Please tell us the name of the AFI grantee organization, the name of the organization represented in the survey (grantee/subgrantee/partner organization) and the grant numbers represented in the survey. AFI Grantee Name:       Name(s) of Partner or Subgrantee Organization(s) Represented in the Survey:                               AFI Grant Number(s) Represented in the Survey:       Individual Responsible for Completing this Survey       Email       Phone      
Overview of the Range of Financial Education Programs Offered	Please tell us which of the following programs are offered to your AFI participants. Check all that apply. Yes, Offer Basic financial education (money management skills, banking services) Supplementary course on topics like EITC, credit repair Advanced financial education (investments, retirement, post purchase topics) Asset-specific training for home ownership Asset-specific training for business ownership Asset-specific training for education Please specify other asset-specific training programs       Please specify other financial education programs       Which statement best describes your organization’s overall approach to financial education? Please select one from the list Only AFI participants participate in the basic financial education program Both AFI and non-AFI individuals participate in the basic financial education program.

Topic	Basic Financial Education for AFI Participants
AFI FE Program Requirements	The rest of the questions in this survey are about your current practices regarding the basic financial education (FE) provided to your AFI participants. These are the offerings that cover money management skills and provide information to participants about banking services, credit, budgeting, saving, etc. Here, we are not asking about the asset-specific training you provide to participants related to their IDA asset goals (homeownership, small business, or education). Information on your asset-specific programs will be collected in a separate questionnaire module. What is the total number of hours or sessions of basic financial education (FE) that each AFI participant is required to complete? Total number of hours       OR Total number of sessions       How many hours is each session? Number of hours per session       Must AFI participants complete all, some, or none of their required hours/sessions of basic financial education before opening an IDA in your AFI project? Please select one from the list Number of Hours all of their required hours before opening an IDA       some of their required hours before opening an IDA       none of their required hours before opening an IDA Are AFI participants required to take other FE courses each year in order to maintain active status in the AFI program? Yes No Which of the following statements best describes how your AFI project’s financial education (FE) requirement is most often applied? (Please check one.) AFI participants must complete a specified number of hours or sessions (or hours): Prior to opening an IDA account Within the initial months after opening an IDA account Prior to making a matched withdrawal Other ways your financial education requirement is applied.       Please tell me the total number of participants who participated in the basic financial education (FE) training between October 1, 2010 and September 30, 2011.       7a. Out of this total, please tell me the total number of AFI participants who participated in the basic financial education training between October 1, 2010 and September 30, 2011.       7b. Out of this total, please tell me the total number of AFI participants who completed the basic financial education training between October 1, 2010 and September 30, 2011.      
AFI Target Group	By definition, all AFI participants are low-income individuals. However, AFI grantees often try to recruit specific target populations in order to serve some of the more immediate needs of families and individuals in their communities. Please review the list below and indicate which specific target populations your project serves, and the proportion of your AFI participants that fall into that particular target group. Please be sure that the sum of all proportions add up to 100% Which of the following primary target groups does your AFI program serve? (Please check any target group your program serves and enter a number indicating the proportion that each target group is served by the AFI program, e.g., 10 for 10%, 50 for 50%, up to 100 for 100%.) Minority ethnic/racial groups    % Immigrants or refugees    % Seasonal and/or migrant workers    % Residents of public housing    % People experiencing homelessness    % Single parents    % Families with children    % People with disabilities    % Prisoners or ex-offenders    % Youth (ages 13-18 years)    % TANF Recipients/TANF Eligible Individuals    % Women    % Employees of a Particular Firm    % People experiencing homelessness    % Homeless Individuals    % Victims of Domestic Violence    % EITC Project Clients    % Other: Specify: _________________________    % No specific target groups served    % 100% TOTAL
Description of FE Training	Please describe the required FE that you provide to AFI participants. Please provide as much detail as you can and use the following description as an example. Example: The financial education (FE) that we require of AFI participants is a total of 12 hours. Six classes are offered, either 2 hrs in the evening from 6-8pm or 2 hrs during the day 10am-12 noon, over period of six weeks. During the current fiscal year from October 1, 2008 thru September 30, 2009 we will offer two (2) complete FE trainings to AFI participants. (Note: All six classes are considered one complete FE training, as they satisfy the 12-hour FE requirement). (NOTE: You may copy and paste text from an existent document up to 4 pages or 1,000 words,)       9a. How often did you offer basic FE trainings during the most recent AFI fiscal year e.g., from October 1, 2010-September 30, 2011)? (Check one) Weekly (48 or more times per year) Bi-weekly or more (26-36 times per year) Monthly (10-12 times per year) Quarterly (4 times per year) A few times per year (1-3 times per year) Please Specify:     
FE Instruction Methods	What type of experience does your FE Instructor have to teach Basic Financial Education? (Please select all that apply) Self-taught from teacher manuals, instruction materials, etc Attended AFI train-the-trainer workshop Has former work experience in financial services industry (e.g., banking, credit counseling) Certified Financial Education Instructor Other. Please specify:       10a. How many years has your primary FE instructor taught basic (FE) financial education?       years What instruction method format(s) are used for your basic required FE course? (Please check all that apply.) Lectures Group discussions or Peer Model One-on-one tutoring or counseling Webinars Online or self-study courses Video-conferencing Please specify other instruction methods used for your required basic financial education course.       What learning activities are used for your basic required FE course? (Please check all that apply.) Homework Small group case studies Simulation Role plays Field trips Family-centered Commercial games Course exercises or quizzes Please specify other learning activities used for your required basic financial education course.      
FE Instruction Methods	Do you provide individual one-on-one, personalized financial counseling or coaching to AFI participants that focuses on basic financial concepts such as money management, budgeting, credit repair, and building a banking relationship? Do not include case management for non-financial issues, or asset-specific counseling, such as homeownership counseling in this response. Yes No If NO, SKIP TO QUESTION 14. IF YES: During the past year between October 1, 2010 – September 30, 2011, what is the average number of hours you spend per participant each year providing one-on-one personalized financial counseling or coaching to AFI participants? Do not include case management for non-financial issues or asset-specific counseling, such as homeownership counseling in this response.       average hours of one-on-one, personalized financial counseling or coaching per AFI participant per year IF YES: How many AFI participants received one-on-one, personalized financial counseling or coaching between October 1, 2010 and September 30, 2011? Do not include case management for non-financial issues or asset-specific counseling, such as homeownership counseling in this response.       Total AFI participants receiving one-on-one, personalized financial counseling or coaching in the past year IF YES: What is the content of the one-on-one, personalized financial counseling or coaching? Please check all that apply. Understanding their credit report Resolving credit report or credit score problems Tailoring a savings plan Developing a household budget Managing emergency situations Providing emotional and motivational support Debt management Setting financial goals Financial planning beyond the IDA Planning for retirement Issues that require professional intervention, (e.g., legal issues) Referrals to other assistance programs Please specify other types of coaching      
FE Course Content	Which of the following topics are covered in the basic financial education (FE) program that AFI participants are required to attend? (Please check all that apply.) Money Values & Setting Goals Money values Importance of saving Setting goals Record keeping Budgeting Income Understanding pay statements Tracking Expenses Creating a budget How to save money/decreasing expenses Earned Income Tax Credit and other tax credits or refunds Net worth Banking An Introduction to bank services Choosing the right account Maintaining a checking account Borrowing/Credit Borrowing basics An Introduction to credit Building and maintaining ‘good’ credit Credit reports and scores How to reduce your debt Bankruptcy Predatory Lending Consumer Safety Consumer rights Identity theft Money scams, payday lenders, and auto-title loans Please specify other topics covered:       Is your basic financial education program a cohort-based model or a non-cohort based model? It is a cohort-based model if the participants attend a sequence of classes together as a group. A non-cohort based model is when participants are given a schedule of classes and instructed to choose sessions that are convenient for them. Please select one. Cohort-based model Non-cohort-based model Both cohort and non-cohort-based models
Gaps in Available FE Curricula	Please tell us which topics you would like to, but are unable to cover in your required FE, either because current resources or time are limited, you don’t have a qualified instructor to teach the topic, or information or knowledgeable trainer on topic is just not available. (Please specify all topics you would like to be able to cover in your FE training.) General Economics Teaching Your Family to Develop Good Financial, Asset-building Habits Building relationships with financial planner, local bank, etc. Choosing a loan you can afford (e.g., student loan, mortgage, etc.) Accessing public benefits (e.g., food stamps, health care for children, etc.) Filing for bankruptcy Cultural differences and attitudes about money & finances Purchasing insurance (e.g., auto, home, etc.) Investments: stocks, interest bearing accounts Accessing other income supports (e.g., tax refunds or credits, EITC, etc.) Estate planning (e.g. wills, trusts, living wills, etc.) Homeownership foreclosure process Other topic(s) you would like to cover:      
Variations in FE Course Content	Does the course material for your required financial education course always stay the same, or do instructors vary and adapt the course materials to meet the needs of specific clientele? Course materials for required FE are always the same – they do not vary Course materials for required FE vary, depending on clients’ interests and specific financial education needs. 17a. If FE varies in materials, please tell us how you vary and adapt the content of your financial education training to address the specific needs of your clients:      
FE Curriculum	Which of the following curricula do you use in your AFI required financial education? (Please check all that apply.) Money Smart (FDIC) Moneywise Credit When Credit is Due Your Money Counts Dollar Sense All My Money Pathways to Prosperity(NEFE with CFED and Fannie Mae Foundation) Making Your Money Work Freddie Mac’s Credit Smart Financial Fitness Your Money, Your Life Pathways to Financial Freedom Realizing your Economic Action Plan Created our own in-house curricula. Please specify:__________________ Guest speaker provides their own curricula. Please specify:__________________ Other curricula which is not mentioned in the list above.       18a. Please tell us why you use the particular curricula and which modules are most useful in the ones you use.      
Other FE Training Materials	What other training materials/tools do you use in your AFI required financial education? (Please check all that apply.) Videos (e.g., Maxed Out, etc.) Computer/Online budget tools Pocket calculators Games Take home resources (i.e. FTC brochures, etc.) Newspapers, magazines, etc. Please specify other training materials.       19a. Please tell us the names of any videos, games, online tools, or other items that you find useful for teaching participants about budgeting, banking, and financial management topics…     
Maintaining Participant Engagement in FE	What are the most effective ways for promoting AFI participants’ participation in the required financial education? (Please check up to three ways.) Having a training schedule that respects participants’ time and work/family schedules Providing alternative training options like home study and coaching, on-line curriculum Accommodating people who need child care or transportation, have physical or learning disabilities, or live in remote areas Providing refreshments for participants Please specify other ways for promoting AFI participants’ participation in the required financial education.       What are the most effective ways for maintaining AFI participants’ interest in the required financial education? (Please check up to three ways.) Excusing participants from required FE if they have already mastered the skills addressed in the training Having a skilled facilitator who is an efficient, effective, and engaging communicator Customizing the content of the curriculum to make the learning relevant to participants Designing a training that uses multiple learning styles (e.g., use of visuals, exercises, charts, technology, summarize and repeat key points, drills/role play to practice skills, computer response, allow for breaks and small group discussions, etc.) Having participants solve a problem or learn how to do something new during the training (e.g., provide solutions to their specific problems) Having participants participate in small group discussions Having participants complete an evaluation form on the FE training (i.e., the facilitator, guest speakers, etc.) to measure the effect of the training. Provide ways for students to follow-up individually with instructor after class or the FE training Please specify other ways for maintaining AFI participants’ interest in the required financial education.      
Participant Outcomes	How do you determine whether your participants are achieving favorable results from the financial education course? (Please check all that apply.) Use pre/post surveys or tests and analyze data collected Talk to participants about whether they found the course helpful Talk to instructors about whether participants learned the course materials Complete a follow-up survey 3 or 6 month after finishing the program Have a third party evaluate the facilitator and training Please specify other ways you use to determine whether your participants are achieving favorable results:       If you do not track outcomes and results, please specify why:      
Participant Measures	Which of the following measures or questions do you use to determine participant outcomes? (Please check all that apply.) Questions that test whether a participant has become knowledgeable (learned) about financial topics, or gained particular skills (e.g., able to balance a budget, write out a check/deposit slip, etc.) Questions that indicate that a participant has changed his/her attitude, feelings, or beliefs about a financial issues (e.g., banks, payday lenders/check cashing services, shopping at larger retail stores, saving money, limit use of credit cards, etc.) Questions that track action steps by participants that indicate a change in their financial behavior (e.g., open a bank account, deposit money into their IDA account, pays bills on time, pay more than minimum on credit card bills, stop using layaway or rent-a-center furniture, stop using payday loan or check cashing services, meet individually with a financial advisor/coach to resolve financial issues, etc.) Other methods used.       23a. Which of the following measures or questions do you include on your overall course evaluation? (Please check all that apply.) Participant satisfaction Facilitator skills Instructor’s skills and knowledge Instructor course evaluation Facilities Course content Other      

FE Internal Staffing, Functions, and Level of Effort

In the next four questions, we would like to learn who provides the basic financial education and counseling to your AFI participants, both within and outside your organization. We understand that staff within your organization, or that of your subgrantees and partners, may work on multiple projects or deliver training to both AFI and non-AFI participants. Therefore, when answering questions 24 through 27, please provide your best estimate of the time that staff within the Grantee organization, staff of partner organizations, individuals, or volunteers spend dedicated to supporting the delivery of and providing the required basic financial education to AFI participants.

24. Please tell us who within your organization prepares and provides the basic financial education to your AFI participants? (Please check all that apply.)

Internal financial education providers and staff (from inside your organization), of the following type:

AFI program staff:

Directors of AFI Project

Manager of AFI Project

AFI IDA coordinator

AFI FE Trainer/Instructor

AFI Administrative Assistant (AA)

Staff who run, or work on a different (non-AFI) programs, within your organization:

Executive Directors of Grantee Organization

Coordinator of Other (non-AFI) program

FE Trainer/Instructor for organization

IT Specialist

Data Entry Clerk

Data/Research Analyst

Non-AFI Administrative Assistant

Temporary Staff

Other Support Staff

Community Residents

General Public

AmeriCorps Volunteers

Vista Volunteers

Other      

If no internal staff prepare or provides basic financial education to your AFI participants, check the box immediately below and skip to Q.26.

No Internal Staff provide basic financial education training or counseling to your AFI participants, please check box and SKIP TO Q.26

25. Among the staff within your organization that you indicated above who prepare and provide the basic financial education to your AFI participants, please tell us your best estimate of the total number of hours each staff spent per year between October 1, 2010 and September 30, 2011 and what functions they perform to prepare and deliver financial education to AFI participants.

Internal Staff Involved in Providing Basic Financial Education
Title	Total Hours Per Year	Functions (Check all that apply for the specific internal staff)
25a. Role: Director of Organization
Executive Director of Grantee Organization	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
25b. Role: Managers within Grantee Organization
Director of AFI Project	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Manager of AFI Project	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
25c. Role: Program Coordinator or FE Trainers within Grantee Organization
AFI IDA Coordinator	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
AFI FE Trainer/ Instructor	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Coordinator of Other (non-AFI) program	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
FE Trainer/ Instructor for organization	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
25d. Role: IT or Data Analysis Staff within the Grantee Organization
IT Specialist	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Data Entry Clerk	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Data/Research Analyst	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
25e. Role: Other Support Staff within Grantee Organization
AFI Administrative Assistant (AA)	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Non-AFI Administrative Assistant	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Temporary Staff	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Other Support Staff	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
25f. Role: Volunteers within Grantee Organization
Community Residents	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
General Public	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
AmeriCorps Volunteers	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     
Vista Volunteers	      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions	     

FE External Staffing, Functions, and Level of Effort

26. Please tell us about external financial education providers from who outside your organization who prepare and provide the basic financial education to your AFI participants? (Please check all that apply.)

Executive Directors from Partner Organization(s)

Management Staff from Partner Organization(s) Operating an AFI Project

Management Staff from Partner Organization(s) who are NOT Operating an AFI Project

Staff from one of your partner organizations (i.e., a local bank or credit union)

Staff from one of your subgrantee organizations

Volunteers from Your Partner Organization(s)

Coordinator of Other (non-AFI) program

Coordinator of AFI program

General Public

Guest Speakers Who Volunteer their time

AFI/FE Trainer/Instructor from Partner organizations

FE Trainer from an Education Training Institute

Instructors from a Community College

Individual Consultants

Other education providers

A HUD-Certified Counseling Agency

Paid staff from Banking Partner

Guest Speakers who are paid a fee/stipend

Other Partners or Providers

Other      

27. Among the staff external to your organization that you indicated above who prepare and provide the basic financial education to your AFI participants, please tell us your best estimate of the total number of hours each external staff person spent per year between October 1, 2010 and September 30, 2011, and what functions they perform to prepare and deliver financial education to AFI participants.

If no external staff provides basic financial education to your AFI participants, check the box immediately below and skip to Q.28.

No External Staff provide basic financial education training or counseling to your AFI participants. Please check box and SKIP TO Q.28

External Staff Involved in Providing Basic Financial Education FE (From outside your organization )
Title	Total Hours Per Year				Functions (Check all that apply for the specific external providers)
27a. Role: Staff from Partner Organization(s) Operating an AFI Project
Executive Director of Grantee Organization				      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions				     
27b. Role: Management Staff from Partner Organization(s) Operating an AFI Project
Director of AFI Project				      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions				     
Manager of AFI Project				      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions				     
AFI IDA Coordinator				      per year	Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions				     
27c. Role: Management Staff from Partner Organization(s) who are NOT Operating an AFI Project
Director of AFI Project			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Manager of AFI Project			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Coordinator of Other (non-AFI) program			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
27d. Role: Volunteers from Your Partner Organization(s)
General Public			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
AmeriCorps Volunteers			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Vista Volunteers			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Volunteers from Partner Organizations			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Guest Speakers Who Volunteer their time			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
27e. Role: Educational Trainers from Partner Organization(s) or Other Institutions
AFI/FE Trainer/ Instructor from Partner organizations			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
FE Trainer from an Education Training Institute			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Instructors from a Community College			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Individual Consultant			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
Other education providers			      per year		Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions			     
27f. Role: A HUD-Certified Counseling Agency
A HUD-Certified Counseling Agency		      per year			Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions		     
27g. Role: Other Partners and Providers
Paid staff from Banking Partner		      per year			Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions		     
Guest Speakers who are paid a fee/stipend		      per year			Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions		     
27h. Role: Other Partners or Providers (Please Specify)
Other Partners or Providers		      per year			Arrange FE Training and Logistics Recruit FE Training Providers Recruit volunteers, guest speakers Manage internal AFI FE staff Manage external FE providers Design Basic FE curriculum Conduct basic FE training course Solicit in-kind donations for FE course Provide 1-on1 FE counseling/coaching Administrative/Logistics Recruit individual consultants Conduct the Financial Education course Provide one-on-one FE Track FE training completion Assess progress Follow up after program completion Other functions
Specify other functions		     

Funding for (FE)	What funding sources do you use to finance your basic financial education for AFI participants? Please check all that apply. AFI grant funds Grants and funds raised by the grantee organization, including for other programs Funds from a subgrantee/partner organization that operates an IDA project Funds from a partner organization that does not operate an IDA project Partner organization in-kind services, materials, facilities, etc. Fees charged to the AFI participants Please specify Fee per participant: $     ) No funding sources for AFI FE in the past year. Please tell us why no funding sources were used for basic FE in the past year:       Please specify other funding sources.       What is the total amount of funding spent on your required FE for AFI participants in the past year? (Please provide your best estimate). $      29a. Please provide best estimate of the total amount of in-kind funding provided for AFI basic FE training between October 1, 2010 and September 30, 2011? (Please provide your best estimate.) $      29b. What is the total amount of funding from non-AFI sources for the AFI basic FE training in the past year? (Please provide your best estimate.) $      29c. What is the total amount of funding for training materials for the AFI basic FE training in the past year? (Please provide your best estimate.) $      What is the average amount of funding spent per AFI participant on your required financial education in the past year? (Please provide your best estimate). $     
Challenges Faced	What are the most serious challenges faced by your AFI program in providing effective financial education to participants? (Please check up to three challenges.) Content Curriculum does not cover the appropriate topics for the AFI target group Course content is too basic to meet participants’ needs Course content is too advanced to meet participants’ needs Participants in FE training is a mix between basic to advanced levels of financial literacy Logistics Difficulty in arranging classes at a convenient time or location for participants Participants do not have access to adequate transportation Daycare or transportation issues for participants to attend FE training Developing advertising and marketing materials (e.g., cost and development) Recruiting participants Time management of AFI program with other work duties/responsibilities within organization Need to provide additional one-on-one assistance to AFI participants attending FE training Evaluation Inability to assess the initial knowledge level of program enrollees Measuring what knowledge and skills they learned from the FE training Participants are not willing to participate in long-term follow-up Trainer Concerns Staff lack depth of technical knowledge to provide training and support Staff lack knowledge and skills to provide engaging and effective training Other Limited literacy levels of participants Limited English language proficiency of participants Lack of funding to provide training Please specify other challenges in providing financial education to participants.      
Training and Technical Assistance Needs	What are the most important areas in which the AFI Resource Center could provide assistance to your organization in improving your financial education? Assessing current financial education Review our financial education curricula and course offering Selecting an appropriate curriculum Customizing current curriculum to better meet the needs of the AFI target group Amend financial education curricula/course offerings to include participatory activities Recommending additional materials and resources Planning evaluation Developing pre- and post-training assessments Assessing our financial education providers Training your financial education providers Incorporate other financial education approaches--coaching, counseling, resource centers Incorporate other asset specific education approaches--sector specific mentoring circles, foreclosure prevention counseling, etc General tips for improving planning and delivery of financial education Networking with other financial education providers in my region to conduct trainings and share teaching experiences Develop proposals for funding financial education or asset-specific education Specify other needs.      

BOE Course Content

33. ONLY FOR GRANTEES WHO OFFER MICRO-ENTERPRISE AS AN ELIGIBLE ASSET: Which of the following topics are covered in the business ownership education for AFI participants? (Please check all that apply.) Business planning: A basic guide to understand what’s involved in starting a business Business ownership assessment: Assisting participants in determining whether business ownership is right for them Starting or investing in a business: How to choose whether to buy a franchise, start your own business, or invest in a business Knowing your business ownership rights: legal requirements, laws, regulations, compliance, rights, etc. How to prepare a Business Plan How to prepare a Business Loan package Franchising basics: Information franchises and how to purchase one, etc., Business investment: Information on how to invest in a business Business financing: Information on financing options, business loan information and the steps involved in applying for a business loan, Small Business Association’s Loan Guaranty programs, disaster assistance, financial assistance, etc. Accounting: Introduction to business accounting Marketing: How to market your business and/or product Internet marketing: web marketing, e-commerce communications, building your website, Employee management: Learning about the steps to successful long-term business ownership, hiring, communication, employment compensation, and retention, etc. Business preservation: Information on how to keep your business, ways to avoid bankruptcy, what to do if your business is losing money, ways to down-shift in a slowing economy, getting out of your business with effective exit strategy, etc. Business taxes, deductions, and benefits of business ownership (e.g., tax credits, deductions, or refunds). The basic tax aspects of operating a business. Protecting your assets: information on ways to protect your personal and business assets, and build wealth Retirement planning Refinancing your business Purchasing office space and equipment Business opportunities (e.g., winning government contracts) Technology Other topic. Specify:       Other topic. Specify:      

One-on-one BOE Counseling

34. ONLY FOR GRANTEES WHO OFFER MICRO-ENTERPRISE AS AN ELIGIBLE ASSET: Do you provide individual one-on-one, personalized business ownership counseling to AFI participants that focuses on financing, purchasing, or starting a business? Yes No IF Q.10 = YES: During the past year between October 1, 2008 – September 31, 2009, what is the average number of hours you spend per participant each year providing one-on-one business education counseling to AFI participants who will be owning a business?       average hours of one-on-one business ownership counseling per AFI participant per year IF Q.10 = YES: How many AFI participants received one-on-one business ownership counseling in the past year?       Total AFI participants receiving one-on-one business ownership counseling in the past year IF Q.10 = YES: What is the content of the one-on-one business ownership counseling? (Please check all that apply.) Helping them understanding their business goals Helping them choose a business to start or invest in Helping them choose a business or franchise Helping them develop a business plan Helping them apply for a business loan Help them developing a long-term (5yr) financial plan and annual budget Assistance with developing a plan to pay the business loan or other business expenses Business advice or technical assistance when they are starting the business Assistance with finding a employees, office space, and equipment for their business Assistance with developing a payment plan to repay their loan Assistance with refinancing their business loan Assistance with avoiding bankruptcy Other types of counseling (specify)       Other types of counseling (specify)       Other types of counseling (specify)      

HOE Course Content

35. ONLY FOR GRANTEES WHO OFFER HOME OWNERSHIP AS AN ELIGIBLE ASSET: Which of the following topics are covered in the home ownership education for AFI participants? (Please check all that apply.) The key steps involved in purchasing a home: Overview and basic introduction to understanding the home buying process Assessing readiness to purchase a home: How to determine and decide whether you can and want to purchase a home Shopping for a home: Choosing a neighborhood and search for a home that you can afford Home inspections: What are the pros and cons of paying for a home inspection Pre-qualifying for a mortgage: The steps and benefits of pre-qualifying for a mortgage Knowing your rights: Fair Housing Laws, Real Estate Settlement, Borrower’s Rights, etc. The purchase process: Including the purchase contract, role of a realtor and lawyer, upfront financial expenditures and deposits, and the content of the financial agreements you will need to sign Housing Assistance resources: Information on home buying programs, down payment assistance, closing assistance, etc., Mortgage products: Financing options, mortgage loan information, and the steps involved in applying for a mortgage loan Understanding the technical terms: technical terms of real estate brokers and lawyers, mortgage lenders and bankers and the technical language in the contract agreements, as well as other terminology Overview of the closing process: Information on settlement costs and the closing process for becoming a homeowner Money management: Managing your money, life-long money management skills Home maintenance: How to maintain, repair, and improve your home and property Responsibilities of home ownership: Learning about the steps to successful long-term home ownership, post-purchase ideas, community involvement, etc. Home ownership preservation: Information on how to keep your home, ways to avoid foreclosure, what to do if you are at-risk of losing your home The Income tax benefits: of Home ownership (e.g., tax credits, deductions, or refunds) Homeowners insurance Predatory lending practices Refinancing your mortgage loan Other topic. Specify:       Other topic. Specify:      

One-on-one HOE Counseling

36. ONLY FOR GRANTEES WHO OFFER HOME OWNERSHIP AS AN ELIGIBLE ASSET: Do you provide individual one-on-one, personalized home ownership counseling to AFI participants that focuses on purchasing a home? Yes No IF Q.10 = YES: During the past year between October 1, 2008 – September 31, 2009, what is the average number of hours you spend per participant each year providing one-on-one home ownership counseling to AFI participants who will be buying a home?       average hours of one-on-one home ownership counseling provided per AFI participant per year IF Q.10 = YES: How many AFI participants received one-on-one home ownership counseling in the past year       Total AFI participants who received one-on-one home ownership counseling in the past year IF Q.10 = YES: What is the content of the one-on-one home ownership counseling? (Please check all that apply). Helping them put a plan together to reach their home ownership goals Helping them choose a neighborhood and home to purchase Helping them apply for a mortgage loan Helping them find a real estate broker or lawyer Helping them find a fair priced mortgage interest rate Helping them developing a financial plan and budget Assistance with developing a payment plan for mortgage or other housing expenses Assistance with finding a home and making an offer Assistance with finding a home inspector Assistance with finding homeowners insurance Assistance with the closing process Assistance with developing a payment plan to repay their mortgage Assistance with refinancing their mortgage Assistance with avoiding foreclosure Other types of counseling (specify)       Other types of counseling (specify)       Other types of counseling (specify)      

PSE Course Content

37. ONLY FOR GRANTEES WHO OFFER SECONDARY EDUCATION AS AN ELIGIBLE ASSET: Which of the following topics are covered in the post-secondary education courses that AFI participants are required to attend? (Please check all that apply.) Planning for your Education: Overview, a basic guide to understand the time commitment and costs of completing post-secondary education for yourself Planning for your Child(ren)’s Education: Overview, a basic guide to understand what’s involved in planning and paying for post-secondary education for Child(ren) Career and Education assessments: Information on the different career and educational assessment tests that participants can take to help them determine whether a post-secondary or vocational education is right for them, and what career they are interested and skilled in. Career and Education Goals: Understanding and mapping your career and education goals, identifying your needs versus wants Post-Secondary Education Exploration: How to find a post-secondary or vocational institution that meets your learning style, career and educational interests, and budget Career Exploration: How to find a Career that meets your interest, skill, and budget Studying Abroad: An overview of the possible universities and financial costs for students looking to attend an college or university oversees; topics such as: Studying Abroad, Costs of studying abroad, Preparing to go abroad, Managing money while abroad, Paying for study abroad. Saving money in college Paying for Post-Secondary Education: Understanding the true costs of college, taking a financial inventory to determine affordability, budgeting & financial planning, how to navigate financial aid, how to make the most of college while working. How to Budget Your Money while Attending School: The challenges and guidance on how to budget and save your money while completing your education How to Manage Work, and Family-life while Attending School: The challenges and guidance on how to manage work and family responsibilities while completing your education and how to make the most of college while working. How to Stay in School: Learning about the services and guidance available on how to resolve financial, personal, or health issues that can cause students to drop-out of school How to select Academic Courses to Meet your Career Goals: Guidance on how to select appropriate academic courses or tutoring classes to help you realize your career goals Postsecondary Education & Financial Aid: An overview of the various financing options available to students looking to finance their education, including scholarships, fellowships, student loans, grants and how to navigate and apply for financial aid. Financial Aid Programs offered by State and Federal Agencies: An overview of the public financial aid programs available to students looking to finance their education, including government grant programs (e.g., Pell Grants), Military Assistance (e.g., ROTC), Community Service Scholarships (e.g., Teach for America, Segal Americorps Education Award), state-supported financial aid, etc. Education tax credits and deductions An overview of the tax credits, deductions, or refunds available to students. Student Loan Repayment Process: An introduction to student loan repayment responsibilities, forecasting annual costs, budgeting, and repayment options like loan deferment or forgiveness options How to Search and Prepare for the Job You Want: Information on how to find a job, how to create effective resumes, how to apply for a job and prepare for a job interview, and follow-up after the interview. Other topic. Specify:       Other topic. Specify:      

One-on-one PSE Counseling

38. ONLY FOR GRANTEES WHO OFFER SECONDARY EDUCATION AS AN ELIGIBLE ASSET: Do you provide individual one-on-one, personalized education counseling to AFI participants that focuses on financing, applying for, and pursuing a post-secondary education? Yes No IF Q.10 = YES: During the past year between October 1, 2008 – September 31, 2009, what is the average number of hours you spend per participant each year providing one-on-one education counseling to AFI participants who will be purchasing post-secondary education?       average hours of post-secondary education counseling provided to an AFI participant per year IF Q.10 = YES: How many AFI participants received post-secondary education counseling in the past year       Total number of AFI participant who received post-secondary education counseling in the past year IF Q.10 = YES: What is the content of the one-on-one post-secondary education counseling? (Please check all that apply). Helping them understanding their career and education options and goals Helping them choose a career Helping them choose an educational institution Helping them apply to a college or university Developing a financial plan and budget Helping them apply for financial aid Assistance with them with a plan or process of paying for education course, semester, or other school bills Academic guidance when they are attending school Assistance with finding a job once they graduate from the program or school Assistance with developing a payment plan to repay their student loan once they graduate from the program or school Assistance with refinancing their student loan once they graduate from the program or school Other types of counseling (specify)       Other types of counseling (specify)       Other types of counseling (specify)      

FE Survey Instrument Page 2