Back On Track

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After January 15, 2016 we will no longer be accepting Back on Track applications.  To be considered for participation in the program, please submit your application by the 1/15/16 deadline.

Have you worked hard your whole life and dreamed of owning your own home? Do you want to go back to school and get your degree, but think it’s financially out of reach? Or do you have the drive and passion to start your own business, but need a little help getting started? If you answered yes to any of these, United Way’s Back On Track program might be for you.

Back On Track

Back On Track is designed to help hardworking individuals succeed by matching their savings through Individual Development Accounts (IDAs). If you save $2,000 to use toward buying your first home, you could receive an additional $4,000!  If you save $1,000 toward furthering your education or starting your own business, you could also receive an additional $4,000! It’s not a loan - it is YOUR money!

As you save, we work with you to build your assets through free tax preparation and filing, financial literacy classes, access to financial assistance programs, and much more!

With a little help, you can achieve your dreams!

To learn more, see if you qualify or to get started today, dial 2-1-1.

Income Guidelines for Back On Track program:

A client is eligible to participate in the Back On Track program, funded in part through an Assets for Independence (AFI) grant, if the household income is twice the federal poverty level for a given family size. (See chart below.) Other restrictions or eligibility may apply - call 2-1-1 for more details.
Persons in Family/Household Eligible Household Income
1 $23,540
2 $31,860
3  $40,180
4  $48,500
5  $56,820
6  $65,140
7  $73,460
8  $81,780
For each additional person, add  $8,320
To qualify for Back on Track, you must live in Anderson, Bourbon, Clark, Fayette, Jessamine, Madision, Montgomery, Scott, or Woodford county.   

Apply Today*

If you or someone you know is interested in applying to the program, please download an application packet or dial 211 to have an application mailed to you. The application packet includes an overview of the program, eligibility requirements for applicants, and the application itself. Fill out the application and send it via mail, fax, or email, along with the necessary attachments, to:

Mailing Address:
United Way of the Bluegrass
C/O Back on Track 
100 Midland Ave., Suite 300
Lexington, KY 40508
Fax: (859)259-3397

Click here to download a copy of the Back on Track Participant Handbook

*Participants must use Back on Track funds by August 31, 2016

**Back on Track Funds cannot be used for loan repayment.