We are Western North Carolina’s trusted non-profit source for financial education and counseling.

OnTrack WNC Financial Education & Counseling (OnTrack WNC) is a private non-profit, community-supported agency.  Since 1973, OnTrack WNC has helped people achieve their money and housing goals through financial education, counseling and support so that they can overcome crises, afford basic needs, improve money management skills and make sound financial choices rooted in their values.

OnTrack is committed to being a leader in inclusion and welcoming in the financial field, and our goal is to set the standard for others in the industry. We recognize that by continuing this work of introspection and dedication to inclusivity we will contribute to building a culture that supports the financial goals of everyone, regardless of their background.

OnTrack’s Diversity, Equity, & Inclusion Statement 

• At OnTrack, we strive to build authentic relationships with those negatively impacted by an industry which has a history of systemic discrimination of biased policies, processes, and programs. We seek to address these inequities by intentionally educating ourselves, connecting more with these impacted communities, creating impactful programs based on their needs, and monitoring outcomes to hold ourselves accountable to continue this work.
• OnTrack’s staff and board selection process aims to attract, retain, promote, and value diversity within the staff and board members. Our approach to diversity, equity, and inclusion values representation and accountability between employees, board members, community members, stakeholders, and partner organizations. 
• Our Diversity, Equity, and Inclusion statement reflects our history and current efforts. We intend for this statement to evolve as our organization grows.

We are a member of the National Foundation for Credit Counseling (NFCC), accredited by the Council on Accreditation (COA), a HUD-approved counseling agency, and have consistently achieved an A+ rating with the Better Business Bureau.

Our service area includes Ashe, Avery, Buncombe, Clay, Cherokee, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Mitchell, Polk, Swain (Cherokee Reservation), Transylvania, Watauga, and Yancey Counties.

Schedule an Appointment

Call us at 255-5166 to be screened for one of our counseling appointments. Or, if you prefer to get started online, visit our Individual Counseling web page and click on the link for the type of appointment you’re interested in. We estimate the Intake will take about 30 minutes, and then you’ll be directed to our scheduling page. You may want to have bank/account statements and paystubs handy to complete these questions.

If you need alternative means to access our services because of an impairment, disability or language barrier, call us at 828-255-5166 or email us at info@ontrackwnc.org.

Click here to view our education schedule.