Our programs are designed to help middle and high school students earn their financial independence.

Here’s how it works...



Learn.  Students receive 7-10 hours of financial education in their math class and learn how to make a basic budget, balance spending with saving, and prepare for some of life’s biggest financial decisions — including the smaller ones that add up quickly.

By teaming up with the Council for Economic Education, we’re bringing financial literacy programs to classrooms across New York City.





Work:  In exchange for 1 day of community service, students earn a minimum of $10 an hour in store credit to a local business their families frequent.

In each project, participants:


Lead a work service project organized by Credit Do to help those in need.

Our food drives currently benefit City Harvest food shelters, with more partnerships underway.

We customize every project to meet a neighborhood’s most pressing needs.

Our Smarter Barters


Earn a minimum of $10 an hour in store credit toward purchasing life essentials.

Buy food, clothes, school supplies, and other goods from local businesses that sponsor your Credit Do project.


Flex their newfound skills to make the most of what they earn.

Compete in teams for extra store credit — meaning more funds toward essentials — by creating budgets that stretch your team’s combined credit the farthest.





For every dollar in store credit you earn, save another toward your future education.

With a donation from businesses in Credit Do's Needs-Matching Network, every participant receives a minimum $50 deposit into their personal or educational savings account. If they don’t have one already, we partner with financial institutions to open an account in their name.

Our Impact




Why Learn, Work, Save?


High school students who take a personal finance course before graduating achieve, on average, higher savings rates and net worth.

Source: Credit.com


Early work experiences build self-confidence, reward time management skills, and help demonstrate what it's like to make a living.

Source: Australian Journal of Career Development

A student with a savings account is 4 times more likely to go to college — 6 times more likely if the account is in their name.

Source: The 1:1 Fund