Helpful Links

Learn the Fundamentals:

Howard Community College (HCC):

HCC’s Business Department offers courses in its Financial Planning curriculum that can help you develop a plan to maximize your money.  Financial Planning at HCC

Howard County Library:

Check out the financial literacy resource collection at the Central Library and visit the library’s website for more information:  Howard County Library – Financial Literacy

Deal with Debt:

Consumer Credit Counciling Service of Maryland and Delaware/Guidewell Financial Solutions:

Serving the community since 1966, Consumer Credit Counseling Service of MD & DE, Inc., now Guidewell Financial Solutions, is an accredited non-profit community service organization dedicated to helping individuals and families resolve financial problems. Guidewell promotes the wise use of credit through confidential budget counseling, debt management repayment program, and community education.   CCCS of Maryland and Delaware

Care One Credit:

Check out our site at if you are striving for financial fitness.  The Community button takes the visitor to Forums, Blogs and Groups that provide lots of valuable information. People learn from each other as well as from experts by clicking on “Ask the Community” or “Ask the Care One Expert”. There is also the Tools & Tips button with links to “Debt Relief News” and an “Article Library” containing volumes of helpful information and educational content.

Make the Most of Retirement:

Maryland Access Point (MAP):

MAP of Howard County is a gateway for information and assistance for older adults, persons with disabilities, family members and other caregivers who need or want to plan for future needs. Information, assistance and futures planning through this program is available to individuals of all income levels in need of services to assist with remaining in the community and leading full lives. Contact MAP at 410-313-5980, their website, or

Get Help in a Crisis:

Community Action Council:

The Community Action Council provides a variety of programs and assistance including housing and energy assistance programs for low- and moderate income families.  Community Action Council

Howard County Office on Aging:

The Howard County Office on Aging, through Maryland Access Point (MAP), is offering Reverse Mortgage Counseling to Maryland residents age 62 and older who are considering this as an option. The counseling, a collaborative effort with the National Council on Aging (NCOA) is targeted to seniors who may be able to pay for their everyday expenses but are struggling to cover the costs of health care, home repairs and modifications, increased property taxes and other unexpected expenses.  Contact MAP at 410-313-5980, Howard County Office on Aging, or

Avoid Scams:

Howard County Office of Consumer Affairs:

The Howard County Office of Consumer Affairs (“OCA”) provides a variety of consumer services to Howard County citizens. Detailed information about our services is available from our website at Howard County Office of Consumer Affairs. Contact OCA by telephone at 410-313-6420; e-mail at; or by post at 6751 Columbia Gateway Drive, Columbia, MD 21046.

For Kids and Parents:

Junior Achievement:

Knowledge is power. You can take control of your future by learning basic 21st-century survival skills and putting them into practice. The JA Student Center provides the following resources to assist you in gaining the knowledge you need to achieve your goals.  Visit:  Junior Achievement’s Student Center

Howard Community College – Kids on Campus:

Summer camps for kids 7-17 with a financial focus including Money Matters, Money Magic and Dealing with Dollars.  Check it out:  HCC’s Kids on Campus Program

Saving for College:

College Savings Plans of Maryland

Learn how you can invest in your child’s future with 529 College Savings Plans.  A 529 College Savings Plan is a tax-advantaged savings plan designed to encourage saving for the future higher education expenses of a beneficiary. With a 529 plan, saving for your child’s college education is easier than you think; and the sooner you start, the better. Here is a Washington Post article that explains this type of college savings plan.

The Howard County Public School System:

Howard County Public School System, one of the best school systems in the country, is provides a range of information to help you and your student prepare for college.