Economic independence is vital to long-term stability and successful integration in the U.S., but many immigrants come from countries with vastly different financial systems. Understanding and navigating the complexity of the U.S. financial system is an enormous task, especially when considering language barriers and cultural differences. These unique challenges can make immigrants and refugees economically vulnerable, often resulting in financial behavior that can have long-term negative consequences on their household budget and credit profile. As over 90% of Financial Literacy Program participants are of low to moderate-income households, this knowledge is even more vital to their success.