Kim Manturuk and Jessica Dorrance–Co-PIs. The UNC Center for Community Capital (CCC) will partner with Neighborhood Trust Financial Partners (NTFP) to conduct an evaluation of the PayGoal project. This evaluation will determine whether PayGoal is an effective way to help lower-wage workers transition away from higher-cost financial services such as check cashing. The evaluation will also measure the impacts that PayGoal has on participants’ credit reports, progress towards savings goals, debt levels, and beliefs about money management. The evaluation will use data collected before participants enroll in PayGoal and at several points throughout the project in order to understand how PayGoal fits in people’s overall financial lives.