Ways to Work Helps Families With Transportation and Credit Challenges Friday, Dec 1, 2017 Page Image Page Content This article is written by Debroah (Van Fleet) Newcombe. It was posted on kios.org on November 17, 2017. Ways to Work is a nationwide program designed to help people with credit challenges become more financially stable with small, low-interest loans. Virginia Ayers, Program Coordinator for Ways to Work-Boys Town, says in the Omaha-Council Bluffs area, the program is co-administered by Boys Town and Heartland Family Service. Ayers says the majority of their applicants need the loan money to purchase a car. She says the program's lender is Pinnacle Bank, and the loan maximum is $8000 at 6% interest. "And when they find a car that is good on gas, low on repair costs, hasn't been in any accidents, not a salvage title, then we can move forward to have the vehicle inspected. So, I have the vehicles fully inspected; I do the research on-line to find out if it's a good vehicle, and if it is good, then we move forward with setting up a close with Pinnacle Bank." Ayers says being able to buy a car often enables people to move forward in their careers or accept a better job.She says to qualify, applicants have to have meet certain income guidelines, have worked at least 20 hours a week for 6 months, have dependent children at home and have challenged credit. She says they also have to participate in a financial literacy class covering topics like budgeting and credit management.For more information on Ways to Work-Boys Town, the number is 866-213-4239.