Office of Financial Empowerment
City and County of San Francisco
Part of the Office of the Treasurer & Tax Collector
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The Office of Financial Empowerment convenes, innovates, and advocates to strengthen the economic security and mobility of all San Franciscans.

          New Student Loan Resources

Services

Do you live, work or receive services in San Francisco? Take advantage of these opportunities.
Have questions? Call 311 (in San Francisco) or 415-701-2311.

Find a Bank Account
Dad and son
Bank On San Francisco helps you find a safe, affordable bank account. Have questions?

Call: 415-701-2311
Meet a Financial Coach
Woman at computer
Free, confidential, one-on-one financial coaching to help you achieve your goals. Set an appointment now!

Call: 877-256-0073
Save For College
K2C photo
Start saving now in your child's Kindergarten to College Savings Account. Have questions?

E-mail: K2C@sfgov.org
Know Your Rights
Woman by whiteboard
Consumer fraud comes in many forms. If you experienced fraud schedule your appointment now!

Call: 415-982-1300

Updates

San Francisco Mayor Press Release on SFUSD & K2C Graduates

K2C Celebrates First Graduates

The Class of 2023 is also the first graduating class that is part of the Kindergarten to College (K2C), marking a new milestone in City history.

“We started K2C so that every student in our public schools would know that they have a future worth saving for,” said San Francisco Treasurer José Cisneros. “K2C is beginning to deliver on the promise that every child growing up in San Francisco has not only a dream for college, but a pathway.”
college dreams come true

College Dreams Come True (video)

The Kindergarten to College Program recently released a new video celebrating its first class of graduating students. Be moved by the stories of four amazing SFUSD students headed to college with the help of Kindergarten to College. Congratulations to K2C's to the class of 2023!
List of 2023 Smart Money Coaching Workshops

Financial Skill Building Workshops with Smart Money Coaching

Sharpen your financial management skills during a virtual workshop series with Smart Money Financial Coaches who will host a series of monthly virtual workshops on subjects such as: Rebuilding after a Financial Crisis, Building a Better Budget, and Women and Money. Learn more and register for the virtual workshops.
man with pen

Smart Money Coaching Featured in San Francisco Chronicle Podcast

Check out Smart Money Coaching on the Chronicle's podcast 'Fixing Our City'!

Listen as producer Cintia Lopez interviews OFE Director, Nicole Agbayani, Smart Money Coach, Omar Wells, and Smart Money Coaching client, Jerry Rendon, to find out more about Smart Money Coaching and how it works.
At What Cost? Student Loan Debt in the Bay Area

At What Cost? Student Loan Debt in the Bay Area

This report provides an in-depth look at student loan borrowing in the nine-county San Francisco Bay Area. As of March 1, 2018, approximately 735,000 Bay Area student loan borrowers (12.2 percent of the adult population) owed a collective $26.6 billion in student debt, with an average balance of $36,243. Nationally, total student loan debt climbed to $1.46 trillion by the end of 2018, more than doubling in size in the past decade, making it now the second largest source of consumer debt.
congratulation to winners

K2C’s Virtual College Tour

Explore a future worth saving for through our Summer Virtual College Tour. SFUSD students can earn a $100 scholarship in their Kindergarten to College (K2C) account by virtually touring college campuses from July 1st to August 15th.
K2C Anniversary Celebration

K2C Anniversary Celebration

Watch Kindergarten to College's Anniversary Celebration. Treasurer Cisneros is joined by Governor Newsom and California Treasurer Fiona Ma to celebrate a decade plus of work and innovation, and look to the future of the program.
Focus on the Future

Focus on the Future: Outcomes and Lessons Learned From K2C's "I am the Future" Campaign

In March 2020, K2C launched an equity incentive, called the “I Am the Future” campaign designed to accelerate targeted asset-building for students experiencing the greatest barriers to opportunity. To best reach these students, K2C selected 9 elementary schools from SFUSD’s PITCH initiative, a program aimed at closing the opportunity and achievement gaps for students facing systemic and persistent barriers to equity.
From Pilots to Policy Change: Recommendations from San Francisco’s Guaranteed Income Advisory Group

From Pilots to Policy Change: Recommendations from San Francisco’s Guaranteed Income Advisory Group

San Francisco’s Guaranteed Income Advisory Group was created to advise the Board of Supervisors, the Mayor, and appropriate City departments on various aspects of guaranteed income. The recommendations in this report examine how to move guaranteed income from pilots to policy in San Francisco, while maintaining and strengthening the City’s support for pilot development and implementation.
RFP for Kindergarten to College Financial Institution Partner Now Available!

RFP for Kindergarten to College Financial Institution Partner Now Available!

We are currently soliciting for a financial institution partner for the Kindergarten to College program and our request for proposals is now available. All questions must be submitted to sf.ofe@sfgov.org by April 13th. Proposals are due on May 18th.
Smart Money Coaching Workforce Webinar

Smart Money Coaching Workforce Webinar

To learn more about how SMC can support your organization, case managers, and clients, check out this webinar.
Smart Money Coaching Housing Webinar

Smart Money Coaching Housing Webinar

Listen to Smart Money Coaching's webinar on housing here.

Research

At What Cost? Student Loan Debt in the Bay Area

At What Cost? Student Loan Debt in the Bay Area

This report provides an in-depth look at student loan borrowing in the nine-county San Francisco Bay Area. As of March 1, 2018, approximately 735,000 Bay Area student loan borrowers (12.2 percent of the adult population) owed a collective $26.6 billion in student debt, with an average balance of $36,243. Nationally, total student loan debt climbed to $1.46 trillion by the end of 2018, more than doubling in size in the past decade, making it now the second largest source of consumer debt.
Focus on the Future

Focus on the Future: Outcomes and Lessons Learned From K2C's "I am the Future" Campaign

In March 2020, K2C launched an equity incentive, called the “I Am the Future” campaign designed to accelerate targeted asset-building for students experiencing the greatest barriers to opportunity. To best reach these students, K2C selected 9 elementary schools from SFUSD’s PITCH initiative, a program aimed at closing the opportunity and achievement gaps for students facing systemic and persistent barriers to equity.
From Pilots to Policy Change: Recommendations from San Francisco’s Guaranteed Income Advisory Group

From Pilots to Policy Change: Recommendations from San Francisco’s Guaranteed Income Advisory Group

San Francisco’s Guaranteed Income Advisory Group was created to advise the Board of Supervisors, the Mayor, and appropriate City departments on various aspects of guaranteed income. The recommendations in this report examine how to move guaranteed income from pilots to policy in San Francisco, while maintaining and strengthening the City’s support for pilot development and implementation.
Protecting Benefits in Guaranteed Income Pilots: Lessons Learned from the Abundant Birth Project

Protecting Benefits in Guaranteed Income Pilots: Lessons Learned from the Abundant Birth Project

This brief offers lessons learned about how to protect recipient benefits, particularly in California, through the lens of the Abundant Birth Project (ABP), a pilot program aimed at reducing birth health disparities and improving birth outcomes for Black and Pacific Islander pregnant women in San Francisco by providing $1,000 per month for six months during pregnancy and six months post-partum.
Getting Smart About Financial Coaching

Getting Smart About Financial Coaching

Read five ways to create meaningful and life-changing financial outcomes for the community with this report from Smart Money Coaching. Read more here.
Blacklisted: How ChexSystems Contributes to Systemic Financial Exclusion

Blacklisted: How ChexSystems Contributes to Systemic Financial Exclusion

In this report we tackle the unfair, unequal and opaque consumer banking systems that have blacklisted so many low-income consumers, immigrants, and in particular Black consumers from the financial mainstream.
Systemic Barriers to Banking the Unbanked

Systemic Barriers to Banking the Unbanked

Since founding the Bank On movement in 2006, the San Francisco Office of Financial Empowerment (OFE) has found persistent disparities in banking access due to structural flaws in the financial system. This brief outlines four major systemic barriers to banking -- distrust of mainstream financial institutions, ChexSystems records, debt in collections and asset limits -- as well as opportunities to remove these barriers and increase banking access. Read more here.
Banking Relief Report Img

Pre-Existing Conditions: Assessing the Financial Services Response to Racism, Inequality, and COVID-19

A joint report done with the California Reinvestment Coalition (CRC). As COVID-19 continues to ravage the health and economic security of millions of Americans, it is critically important to evaluate the relief efforts offered by financial institutions. And at this time, when our nation is confronted with the reality of its historic and systemic racism, it is crucial that we evaluate such relief efforts with a racial equity lens.
K2C Students

Saving for College During COVID-19

The experience of the Kindergarten to College (K2C) Children’s Savings Account (CSA) program run by the San Francisco Office of Financial Empowerment (OFE) shows that despite economic hardship as a result of the COVID-19 crisis, families remain committed to saving for college.

Led by Treasurer José Cisneros, the Office of Financial Empowerment is a unique private-public partnership housed in the Office of the Treasurer & Tax Collector of San Francisco.

Our Team

Upcoming Events