Who We Are
The Power of Credit Institute NFP is a Chicago-based nonprofit dedicated to closing the financial literacy gap for at-risk youth through free, community-centered education across the Chicagoland area and surrounding suburbs.
Our Mission
To empower at-risk youth across the Chicagoland area with the financial literacy, credit knowledge, and entrepreneurial skills needed to build generational wealth and break cycles of poverty.
We deliver free, comprehensive programming that meets young people where they are — providing not just information, but the mentorship, tools, and community support to put that knowledge into action.
Our Vision
A Chicago where every young person — regardless of zip code, background, or circumstance — has the financial knowledge and confidence to build a stable, prosperous future.
We envision communities where financial literacy is a birthright, not a privilege — where the next generation inherits wealth, not debt.
Financial Literacy Gaps Are Costing Our Community
Generational Poverty
Without financial education, young people inherit debt patterns and credit challenges from previous generations — perpetuating cycles that are difficult to escape without targeted intervention.
Lack of Access
Traditional financial education is rarely available in under-resourced schools. Youth in underserved Chicago communities face systemic barriers to the knowledge that could transform their economic futures.
Credit Invisibility
Millions of young adults are "credit invisible" — with no credit history at all. This locks them out of housing, employment, and lending opportunities that others take for granted.
Target Population
POCI primarily serves young adults ages 16–25 across the Chicagoland area and surrounding suburbs, with a focus on at-risk youth who face barriers to traditional financial education.
- Youth ages 16–25 across the Chicagoland area
- Underserved communities throughout Chicago and surrounding suburbs
- At-risk youth including system-involved individuals
- First-generation college students and young adults
- Youth experiencing housing instability or economic hardship
- Young entrepreneurs and aspiring business owners
Community Impact
Our Core Values
Community First
Every decision centers the needs of the youth and families we serve across Chicago and the surrounding suburbs.
Education as Liberation
We believe financial knowledge is a fundamental right — not a privilege — and that access to it can break cycles of poverty.
Mentorship & Belonging
Our mentors look like our students. Representation matters, and we build environments where every young person feels seen and supported.
Measurable Impact
We hold ourselves accountable to real outcomes: improved credit scores, business formations, and long-term financial stability.
Recognized by Our Community
POCI has been honored with community grants and partnerships that validate our approach and fuel our mission to serve Chicago's youth.