Pathway to Transportation

Connecting ALICE (Asset Limited, Income Constrained, Employed) Families to Safe, Reliable and Affordable Private Transportation

Transportation is identified in the ALICE Report as a major need in rural Frederick County. Access to private transportation is critical to those seeking new career opportunities, access to medical care, and opportunities to seek more suitable housing.
 
ALICE families are those who are unable to afford a basic cost of living. According the ALICE Report, 37% of Frederick County households are ALICE. They are restaurant workers, retirement home nurses, retail clerks and teachers who are relied upon every day.
 
The ultimate outcome of the Pathway to Transportation program is moving ALICE families to a position of long-term financial stability.
 
 
How it works:
  • Participants must save a portion of the total expense and participate in budget coaching and credit counseling in order to purchase a car through our program.
  • The program requires participants to save only a portion of the total cost of their vehicle while maintaining a direct sale between Second Chances Garage.
  • United Way of Frederick County will match each participant’s savings for the remainder of each car’s cost.

 

How do I apply for the program?

  1. Review income eligibility
  2. Complete the Pre-Qualification Form.
  3. You will receive an invitation to complete a full application if qualified.
  4. Upon completion of your application, you will schedule an appointment with a United Way staff member to submit required documentation.
  5. You will receive instructions to open a savings account with Woodsboro Bank.
  6. Next, you will complete the program requirement by saving a portion of the total expense and request a withdrawal form to use your savings towards the purchase of a car.

 

For more information, please contact Joyce Kwamena-Poh at Jkwamenapoh@uwfrederick.org.

 

Car Donations

Pathway to Transportation will be successful if there are sufficient donated cars available at Second Chances Garage.  If you are able, please consider a car donation.  To learn more about car donations to Second Chances Garage, please visit www.secondchancesgarage.org/car-donation/.

 

The Pathway to Transportation program is made possible thanks to our sponsors:

Program Sponsors

 
 

Program Partners

 

United Way of Frederick is the recipient of $50,000 grant from L-X Ranch Foundation for the Pathway to Transportation program.

The L-X Ranch Foundation promotes human dignity and potential by investing in education, fulfilling basic needs, and enhancing opportunities to experience nature.

 

...and donors like you.  Thank you!

The need for safe, reliable, affordable, and real-time transportation is more important than ever in Frederick.  To provide solutions which help families overcome transportation barriers, the United Way of Frederick County (UWFC) has created and established the Auto Repair Fund. 

UWFC’s Auto Repair Fund, in partnership with Second Chances Garage, will help reduce the cost of vehicle repairs for ALICE (Asset Limited, Income Constrained, Employed) households.  Although the Auto Repair Fund is a standalone program, it may also be used in conjunction with the Auto-Ownership Matched Savings program.  The Matched Savings program is yet another joint initiative between UWFC and Second Chances Garage aimed at helping ALICE families overcome transportation barriers.  

The new Auto Repair Fund will provide ALICE families with additional financial assistance to further reduce the cost of owning and maintaining a car, keeping the car safe and road worthy.  

How it works: 

Participants may receive up to a $200 discount per car repair invoice for ALICE families if eligible (sole discretion for granting discount is given to Second Chances Garage).  

Funds must be used for mechanical, safety-related, or other complex repairs (e.g., brake repairs/replacement, electrical malfunctions, steering/suspension repairs, unexpected flat tire, etc.).   

The Auto Repair Fund does not cover standard vehicle maintenance (e.g., oil and filter changes, air filters, wiper blades, etc.).  

The Auto Repair Fund will continue through December 31, 2022. The initiative is contingent on additional funding. 

For questions, email Veronica Henry at vhenry@uwfrederick.org 

Prosperity Accounts (also known as Individual Development Accounts – IDAs) are an innovative financial product and economic development tool used by community organizations throughout the United States to stimulate participants' savings rates, build their assets, and connect these individuals to the economic mainstream. Private foundations and the public sector fund most of the programs. The following four-step process documents how a saver moves through the Prosperity Account program. 

 
STEP 1 – Pre-qualification and Application

All Prosperity Account savers must complete and submit a prosperity savings account application and required documentation. A Pre-qualification survey can be taken here.

Once a saver has pre-qualified, they must complete and submit a Prosperity Account application with the required documentation.

 

STEP 2 - Opening an IDA Account

All savers meet with a United Way administrator to review application, current household budget, discuss asset goals, review policies and procedures and complete savings plan agreement. Approved applicants will be referred to a designated financial institution for account opening. 

 

STEP 3 - Financial Education Training

Budget Coaching and Credit Counseling is required prior to the purchase of their savings goal. Community partners provide valuable information to help increase the likelihood of successful asset purchase and retention. One hour of the Budget Coach program is required for every month (up to 12 months).

 

STEP 4 - Withdrawal, Asset Purchasing, and Beyond

In Step 4, savers, with staff assistance, are ready to make bank withdrawals from their Prosperity Account to purchase a home.

 

For a detailed breakdown of how the Prosperity Account program works, please refer to United Way Prosperity Account Policies and Procedures Manual

See below for a quick list of resources explaining the process of qualification, application, and sustained participation with a Prosperity Savings Account:

Other Resources