We are Western North Carolina’s trusted non-profit source for financial education and counseling.
OnTrack 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 Inclusion Statement
At OnTrack, we are committed to building respectful, authentic relationships with individuals and communities who have historically faced barriers within the financial system. We recognize that financial challenges often stem from long-standing disparities in access and opportunity. Our work involves listening, learning, and partnering with these communities to create programs that are relevant, supportive, and effective. We continually evaluate our efforts to ensure accountability and meaningful impact.
We strive to attract, retain, and support a staff and board representing a wide range of identities and viewpoints, enriching and strengthening our work. Our approach emphasizes respect, representation, and shared responsibility among our team, clients, partners, and community.
This Inclusion Statement reflects both our values and current efforts, as well as our ongoing journey and commitment. As OnTrack continues to grow, we will revisit and refine this statement to reflect new insights and evolving goals.
We’re 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, Transylvania, Watauga, and Yancey Counties.
New client intake for counseling sessions takes approximately 30 minutes. 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.
