Since the WFSNT launched in August 2014, over 4,980 clients have been served across nine agencies.  95% of these clients received bundled (2 or more) services.  The following are some of the early outcomes published in Fall of 2016 that demonstrate the power and impact of bundled services on clients for several key economic metrics.


Clients who received bundled services increased their average savings over peers who only received one service.

$400 in tangible savings can mean preventing use of payday lending, and clients are better able to weather emergency/unexpected expenses like car repairs.


Clients who came to WFS unemployed and received bundled services secured higher average wages, once employed, than peers who received only one service.

Underemployed clients who received multiple services saw an hourly increase of $0.88 per hour vs. $0.25 per hour for those receiving one service. This translates to an additional $1,830 annually for those households.

The average WFS client is a 30- to 40-year- old African-American female with children, a high school education or GED, and who is renting.

Credit Score

Clients who received bundled services saw credit scores move, on average, from

While credit scores for WFS clients overall remain at below-prime levels, any improvement in credit impacts the client’s ability to obtain credit at reasonable rates, improves eligibility for housing and access to mainstream financial services.


WFS agencies ask clients about their confidence in setting and achieving  financial goals at regular intervals throughout the program.

According to The Center for Financial Security at the University of Wisconsin- Madison, con dence and self-actualization are needed to change behavior. Data indicates that clients are moving to a state of readiness for long-term, lasting change.