MakingChange

After 35 years of service, MakingChange, Inc. will officially close on June 30, 2026.

Since 1991, it has been our privilege to help individuals and families strengthen their financial well-being through housing counseling, financial education, financial counseling, and free tax preparation services. We are deeply grateful to our clients, volunteers, staff, board members, funders, community partners, and supporters who have been part of this journey.

Together, we have helped thousands of individuals and families build savings, reduce debt, improve credit, prepare tax returns, pursue homeownership, and work toward greater financial stability. We are proud of the impact we have made and the relationships we have built throughout the community.

As we conclude our operations, MakingChange is no longer accepting appointments or providing services.

Individuals seeking housing counseling or financial counseling services may locate a HUD-approved housing counseling agency by visiting:
https://www.hud.gov/findacounselor

Individuals seeking free tax preparation assistance may contact the CASH Campaign of Maryland at:
https://cashmd.org

Thank you for allowing us to serve this community for the past 35 years. While MakingChange's chapter is coming to an end, we remain hopeful that the knowledge, resources, and support shared through our work will continue to make a difference for years to come.

With gratitude,

The MakingChange Team

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📈Gen Z Financial Literacy Series 💰

This infographic, created by our intern Henry, highlights the importance of investing early and building long-term wealth. 💡

Investing can feel overwhelming at first, but learning the basics now can set you up for stronger financial opportunities in the future. 🌱

This post covers:
✔️ Why investing early matters
✔️ Basic investing strategies
✔️ Types of investments
✔️ Habits that help (or hurt) growth

Designed for Gen Z and young adults to make investing easier to understand and apply.

👍 Like, comment, and share with a friend!

💳📱 Gen Z Financial Literacy Series – Week 2 📱💳

This week, we’re highlighting another financial education infographic created by our intern, Henry, focused on understanding credit cards and building healthy credit habits 💡

Learn:
✔️ How credit cards work
✔️ Key credit card terms
✔️ Healthy vs. harmful credit habits
✔️ Starter card options for young adults

Building credit early can open financial doors — understanding it is the first step. 🔑

Money Talk for Gen Z — A Multi-Week Financial Literacy Series💸

We’ll be sharing financial education content created by our intern, Henry, designed with Gen Z in mind — but helpful for anyone looking to strengthen their financial knowledge. 💰

This week’s topic: Student Loans & Financial Aid
This infographic breaks down:
✔️ Federal vs. private loans
✔️ Types of federal student loans
✔️ Common financial aid myths
✔️ Alternatives to borrowing for college

Whether you’re preparing for college, currently in school, supporting a student, or simply want to better understand student loans, this resource is for you!

Guaranteed Basic Income (GBI2) Pilot Program

Offered by the Community Action Council of Howard County.
Need financial support? Receive $500/month for 12 months, plus $500 in savings to help build your future.
Designed to support families and promote financial stability.

📅 Apply now
Opens: April 24, 2026
Closes: May 22, 2026

Visit their website to learn more https://cac-hc.org/

Waiting for your tax refund?

📢 Our VITA tax preparation site is now closed for the 2026 tax season.
If you’ve already filed your taxes, you can track your refund using official tools:

IRS (Federal): www.irs.gov/refunds

Maryland State Refund: interactive.marylandtaxes.gov/INDIV/refundstatus/home.aspx

⏳ What you’ll need: SSN/ITIN, filing status, and refund amount.

Our VITA site is now closed.

You can still connect with trusted partners for free tax preparation:

📍 CASH Campaign of Maryland
https://cashmd.org/free-tax-preparationresources/
📍 IRS VITA/TCE Locator Tool
https://irs.treasury.gov/freetaxprep/

💡 These programs offer free, trusted support for eligible individuals and families.