We work with mission-aligned partners to expand the scope and impact of the Family Self-Sufficiency (FSS) Program.

Compass Working Capital is an innovative nonprofit financial services organization that supports families to build assets and financial capabilities as a pathway to greater economic opportunity, and out of poverty. We have developed and refined an approach to the FSS program that builds on expert research, the principles of a national asset building movement, and over ten years of on-the- ground experience working with low-income families.

Through our National FSS Network, we put our proven program model in the hands of mission-aligned partners around the country to help them incorporate aspects of our model into their own local FSS programs. Our team provides the tools, training, and technical assistance to improve an existing FSS Program (in partnership with Public Housing Authorities) or to launch a new one (in partnership with Multifamily Owners). We also connect partners with a national network of practitioners to help us all learn from each other, share promising practices, and shape national policy and practice. Together, we turn “HUD’s best kept secret” into a powerful engine for families to put their financial goals and dreams within reach.

Public Housing Authorities



Compass FSS Program Results

At Compass, the true measure of our success is whether the families we serve achieve the goals and dreams they have for a stronger financial future.  We also measure and track families’ progress toward key indicators of financial security, including earnings, credit, debt, and savings. The final report from a recent rigorous, multi-year, and quasi-experimental study of our FSS Programs by Abt Associates showed that participants earned more and received less welfare payments than their matched peers and that they achieved positive credit and debt outcomes that exceeded benchmarks. Key results include:


Average Increase in Household Earnings


Average Improvement in Credit Score


Average Change in Credit Card Debt

Check out Abt Associates' multi-year study of our Family Self-Sufficiency (FSS) programs in partnership with local housing authorities in Lynn and Cambridge, Massachusetts.

Network Benefits

Compass FSS Program Assessment

Evaluate your program across the ten dimensions critical to a high-performing FSS program developed based on our experience to date working with Public Housing Authorities and Multifamily owners in New England, and through our national network. Our team will work with you to help assess your program and develop a plan that will drive action on the highest-priority improvements.

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Tailored Technical Assistance

Compass knows how to overcome common barriers to running a high-performing FSS program and can help you address issues facing your program. Increase program enrollment, increase graduation rates, or streamline policies and procedures.


Innovative Learning Network

Connect with mission-driven peers from around the country who are running programs just like yours at our Annual Convening and all year long. Benchmark your program against other network partners each quarter to track progress and identify areas to improve.

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Hands-On Training and Mentorship

Our highly skilled Compass Financial Coach mentors will help you understand Compass’s coaching philosophy and provide training on the coaching skills and the financial knowledge needed to help clients put their financial goals within reach. Receive ongoing support and consultation for clients  with more technical and challenging financial situations while integrating these new skills into client appointments.


On-Demand Access to Tools, Templates, and Web-Based Trainings

Access our web portal for tools, templates, and webinar archives to support effective program management and financial coaching. Includes access to simple, step-by-step resources on a variety of financial topics commonly faced by clients and Compass's financial workshop curriculum.

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For Multifamily Properties: Step-by-Step Guidance to Launch a New FSS Program

Are you a multifamily property owner or manager new to FSS? Compass pioneered the first Multifamily FSS programs using its innovative program model and has launched more Multifamily FSS programs than any other organization in the country at properties large and small. Get access to tools, templates, and other resources to plan, launch, and operate a new FSS Program, including a customizable HUD Action Plan Template, sample program policies and processes, and a tailored multi-day training to get property management and resident services teams aligned and prepared to launch.

The Compass FSS program can help contribute to the financial bottom line and public relations strategy of private owners as well as ensure the continual financial well-being of your residents.

Current Partners


Public Housing Authorities


Finally! This network is exactly what we’ve been looking for. The tools, training, support, and renewed energy for our FSS program that we have gained will provide motivation to empower participants towards a positive financial future.
— Joni Boissonneault, Self-Sufficiency Program Manager, Portland Housing Authority
We launched FSS at 4 sites and then expanded to 7 this year with 1,100 eligible households. After 18 months, the program’s early results are very encouraging. We’ve enrolled 30% of our eligible households which is 6 times the national average...We attribute this early success to very committed and well trained property managers and a highly effective service partner, Compass Working Capital.
— Aaron Gornstein, President and CEO, POAH

Join Our Network

If you're interested in bringing Compass FSS to your community please contact us using the links below.

Public Housing Authorities