Category

Description

Examples

Bills or Rent

Expenses related to paying personal or household bills.

Rent; mortgage payments; utilities; internet/cable; phone bills

Buy a Vehicle

Purchasing a personal-use vehicle.

Purchasing a car or contributing to a vehicle purchase.

Credit Card Refinancing

Paying off credit card debt in the applicant’s name.

Paying down or consolidating one or multiple credit card balances

Debt Consolidation

Combining multiple high-interest debts into one fixed monthly payment.

Personal loans; auto loans; payday loans; cash advances; back taxes from previous tax year

Family Assistance

Help support your household or family’s general needs.

Family medical bills; buying a car for a family member

Home Improvement

Expenses for repairing, maintaining, or improving a home.

HVAC or hot water repair; appliance replacement; remodeling; landscaping

Large Purchase

A significant purchase not fitting another category.

Furniture; appliances; electronics; car repairs; recreational vehicles (ATVs, dirt bikes, boats)

Medical

Medical expenses for the applicant’s own care or procedures.

Emergency medical bills; planned surgeries; dental work; cosmetic procedures

Other

Miscellaneous expenses not fitting other categories.

Groceries; gas; informal debt; gifts; lawyer fees; vet bills; savings to build credit

Relocation

Costs associated with moving residence.

Hiring movers; security deposits; moving insurance; unexpected moving costs

Taxes

Taxes owed for the current tax year.

IRS payments required to complete current tax filing

Vacation

Travel expenses for leisure.

Flights; hotels; vacation activities; travel packages

Wedding or Special Event

Expenses related to weddings or major celebrations.

Venue deposits; lodging; wedding attire; engagement rings; honeymoon; large celebrations (quinceañera, anniversaries)