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Help shape financial futures today.


To serve low-income individuals and families to empower them to achieve financial stability.


Life OnTrak is a 501(c)3 nonprofit organization that has served the Bay Area and Greater Sacramento Region since 2011, providing financial coaching and training and credit education through our local partners who work with economically disadvantaged individuals.



Organizational Training

Life OnTrak offers financial training programs to regional businesses and nonprofit organizations who work directly with clients experiencing financial difficulty.  Through 1-3 days of in-office training, staff members will gain the knowledge necessary to navigate the client’s financial needs.

Training areas include:​​

  • Debt Management

  • Budgeting

  • Financial coaching

  • Credit Restoration

Workshops and 1:1 Services

Life OnTrak also holds workshops to groups and individuals who are looking to improve financial stability for themselves and for others.  Direct 1:1 services and workshops will cover a variety of financial topics that are practical and applicable to all levels of financial stability.

Topics for workshops include:

  • How To Find Free Money - Budgeting & Savings

  • Credit & Debt Counseling

  • Credit Education


Shandra Thomas

Executive Director and co-founder

Shandra brings 27 years of financial experience in order to best serve those in need of financial direction.  While working closely with groups and individuals, Shandra has developed multifaceted training and counseling programs that result in complete financial independence for the community at-large.


Shandra is an Accredited Financial Counselor, Financial Fitness Coach, Certified Credit Counselor, Certified Student Loan Counselor, Financial Coaching and Counseling Trainer, and Licensed Real Estate Agent.

Carolee Burse

Program Director and co-founder

Carolee brings more than 20 years of financial experience to the Life OnTrak team.  With a clear understanding of the credit industry and an extensive network of partnerships, Carolee has educated individuals from all over the region on the importance of credit. Her targeted focus is tailored to the individual’s needs, helping them reach a debt-free life.


Carolee is a Certified Credit Counselor and Credit Report Specialist.


Our impact is measured by tracking an individual’s finances: credit score, debt amounts, income, savings and expenses. We give individuals the right tools and education to help them better manage their financial goals. We don’t believe in temporary solutions--we want to empower individuals, so they can be financially stable and independent.


Life OnTrak has served over 4,000 people and has a track record of over 40,000 hours of financial coaching and counseling.


With Life OnTrak’s financial methodology:

  • 31% of individuals have reached at least a credit score of 650;

  • 15% of individuals have reached a credit score of 700 and above;

  • 65% have acquired a debt to income ratio (DTI) of 40% or below--some reaching 0%.


Giving Starts with You

By donating to our mission, we can strengthen the financial futures of low-income individuals today and tomorrow. Your generous contribution help us sustain our programs and services provided to our partners and give economically struggling people the opportunity to develop financial knowledge and independence. Together we can empower everyone to succeed financially for life.  

If you would like to be a sponsor

Partnerships for a Brighter Future

Our partners are part of the engine that makes our work possible. Our incredible collaborators strengthen our ability to engage individuals in need of financial counseling and credit education, providing them the opportunity to build a better financial future.

Our programs offer two distinct paths to helping financially struggling individuals: Life OnTrak can directly administer in-house one-on-one financial coaching and education workshops, and also deliver partner training to teach the skills and knowledge to offer financial coaching.

If you would like to partner with us, email our Executive Director, Shandra Thomas, to see how Life OnTrak can provide you with a holistic approach to helping the people you already serve.

Our Partnerships

Community Action Marin

San Mateo Community College District @ Skyline College

Fairfield-Suisun Unified School District

Fighting Back Partnership

United Way (UWBA, UWCCR)

Children’s Network of Solano County

Small Business Development Center- Contra Costa County

Sacramento Public Library

Juma Ventures


Marin Employment Connection

Travis Credit Union

Dream Catchers

Community Financial Resources

Marin County Community Development Co.

Cottage Housing of Sacramento

Volunteers of America - Sacramento

San Jose City Community College District @ San Jose City College & Evergreen Valley College

Sacramento State University



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Sacramento CA

Mailing Address:

69 Lincoln Blvd., #A216

Lincoln, CA 95648


*Please note: We do not currently have the capacity to serve individuals outside of the Greater Sacramento Area.  If you are in need of assistance in your area, please dial 2-1-1 from your phone to reach your local United Way office.  They may be able to direct you to an agency that provides local Financial Coaching.

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