Pre-Qualification Self Test
Ways to Work loan offices make loans (up to $6,000) to help qualified, low-income applicants remain employed or stay in school. Approved applicants make monthly loan payments over a 30 month period at no more than 8% interest.
You might qualify to receive an application if you say “yes” to all the following questions.
Have you been employed for at least six months?
OR
Are you enrolled in school?
For example: college, community college, technical or trade school.
AND
Are you a parent?
AND
Are you unable to get a loan from a bank or credit union?
AND
Will you agree in writing to repay your Ways to Work loan?
If you said “yes” to all of the above questions, contact the nearest local office directly to learn if you qualify to receive an application. The national office does not supply applications or work with clients directly.
If you cannot find the information that you need, please contact Judi Austin toll free at (866) 252-7171 or by email at jaustin@waystowork.org.

