Phone (419) 784-5136 | Address: 1933 E 2nd Street Defiance, Ohio 43512

Proudly Serving Northwestern Ohio

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Financial Empowerment

The NOCAC Financial Empowerment Continuum focuses on three major program components to remove barriers and promote financial stability for low- income participants. Participants can enter and participate at any level of the continuum; however participants with the most significant barriers will be assessed for entry at the beginning and encouraged to continue personal development by working with all levels of service.

Financial Literacy and Education

Getting Ahead In A Just-Gettin’-By World: A 16 week course that equips people with a history of generational poverty with the resources and support to create personal and community change so that their families are no longer “just getting by.” Participants learn how poverty impacts their life and how to develop goals and actions plans to overcome common pitfalls.

Financial Literacy Classes: A series of classes offered on a quarterly rotation. Topics include:

  • money management
  • budgeting
  • understanding credit reports and scores
  • credit counseling
  • dealing with debt
  • how to prevent predatory practices
  • successful home rental experiences
  • resume basics
  • principles of interviewing.

Participants can choose to attend as many free classes as they wish. Check the Events Calendar for upcoming trainings.

Financial Coaching

Financial Coaching: NOCAC provides one-on one financial coaching opportunities to help low-income families and individuals improve their ability to make well-informed financial decisions. Each coaching session is specific to the needs and interests of the participant, however, common themes include defining priorities, budgeting techniques, financial management, credit building and individual goal attainment strategies.


Digital Navigation Program

NOCAC’s digital navigation program assists clients to gain skills and resources to succeed in a technology-driven world.  This goal is achieved by working with clients to improve digital skills, guiding clients to affordable home internet plans, and giving clients access to more affordable devices.  Our digital navigators advocate for widespan broadband internet access and more accurate representation of this access on national broadband maps.

      To complete a referral form, please click here.