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Back On Track

 Back On Track

Have you worked hard your whole life and dreamed of owning your own home? Do you want to go back to school and get your degree, but think it’s financially out of reach? Or do you have the drive and passion to start your own business, but need a little help getting started? If you answered yes to any of these, United Way’s Back On Track program might be for you.

Back On Track is designed to help hardworking individuals succeed by matching their savings through Individual Development Accounts (IDAs). If you save $2,000 to use toward buying your first home, you could recieve an additional $4,000!  If you save toward furthering your education or starting your own business, you could aslo receive an additional $4,000! It’s not a loan - it is YOUR money!

As you save, we work with you to build your assets through free tax preparation and filing, financial literacy classes, access to financial assistance programs, and much more!

With a little help, you can achieve your dreams!

To learn more, see if you qualify or to get started today, dial 2-1-1.

Income Guidelines for Back On Track program:

A client is eligible to participate in the Back On Track program, funded in part through an Assets for Independence (AFI) grant, if the household income is twice the federal poverty level for a given family size. (See chart below.) Other restrictions or eligibility may apply - call 2-1-1 for more details.
Persons in Family/Household Eligible Household Income
1 $23,340
2 $31,460
3  $39,580
4  $47,700
5  $55,820
6  $63,940
7  $72,060
8  $80,180
For each additional person, add  $8,120
To qualify for Back on Track, you must live in Anderson, Bourbon, Clark, Fayette, Jessamine, Madision, Montgomery, Scott, or Woodford county.   

Apply Today*

If you or someone you know is interested in applying to the program, please download an application packet or dial 211 to have an application mailed to you. The application packet includes an overview of the program, eligibility requirements for applicants, and the application itself. Print and fill out the application and mail, email, or fax it, along with the necessary documentation to:


United Way of the Bluegrass

C/O Back on Track 

100 Midland Ave., Suite 300
Lexington, KY 40508
Fax: (859) 259-3397

Click here to download a copy of the Back on Track Participant Handbook

*Participants must use Back on Track funds by August 31, 2015

**Back on Track Funds cannot be used for loan repayment.