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There is an alternative for responsible, working parents to receive low-interest auto loans.
Ways to Work is a national program of Alliance for Children and Families that allows qualified working parents who are unable to get funds elsewhere, to receive loans up to $6,000 to purchase, repair or refinance a car.
The first program of its kind in Oregon, Ways to Work is operated locally by Metropolitan Family Service.
Loan Eligibility
To be eligible for loan consideration, a potential borrower must:
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Be employed three months continuously
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Be an involved parent
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Have exhausted other loan sources
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Have a household income less than 80% of the Portland median income (80% for a family of 4 is $54,300)
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Reside in Multnomah, Clackamas, or Washington County
Borrowers agree to repay the loan at an 8% interest rate within two years. The money is then made available to other applicants.
For questions about the program, or to apply, call 503.232.0007, ext. 207
For more information contact our Ways to Work Coordinator at 503.232.0007, ext. 303.
Ways to Work Services
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Provides low-interest loans up to $6,000 to working parents
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Teaches financial literacy skills to loan applicants
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Improves client's credit rating and gross earned income over time
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Decreases time in transit to work
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Decreases dependence on public assistance
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Increases attendance at work
Nationally, participants average a 40% increase in household income.
Ways to Work is sponsored by Alliance for Children & Families with major funding from The McKnight Foundation, US Department of Transportation and TriMet.


Ways to Work
Ways to Work, Inc., a federally-certified Community Development Financial Institution, was established as a sister organization to the Alliance for Children and Families to help interested Alliance member agencies replicate the Ways to Work loan program (formerly known as the “family loan program”).
http://www.waystowork.org
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waystowork@metfamily.org

503.232.0007
For questions about the program,
or to apply, dial extension 207

Metropolitan Family Service
1808 SE Belmont Street
Portland, Oregon 97214
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John is a single father of a young daughter. Right after John was laid off from his job, his daughter was diagnosed with Hepatitis C. John was having major difficulty finding a way to get his daughter to her doctor’s appointments and to childcare. Expenses caused John to miss credit card payments.
John realized he needed to make changes to get his life back on track. He found a new job and applied for a Ways to Work auto loan so he could purchase a car. By receiving a loan through this program, John was able to advance his career by spending more hours at work and still get his daughter to her appointments.
His daughter is now getting treatment and feeling much better. John is now on a better path towards rebuilding his life and able to care for his family.
Ways to Work has helped John and many other low-income households improve their lives.
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