There's a growing divide between those who can access services digitally – like education, work and health care -- and those who can't. The issue is top-of-the-mind for housing practitioners, who often work with the very individuals that the divide is hurting the most. Some NeighborWorks network organizations are already working on solutions, such as setting up hotspots and working WiFi into their future projects. 

In Aurora, too many households – 1 in 6 – have zero net-worth, says Rick Guzman, CEO of The Neighbor Project (TNP), a NeighborWorks network organization. His nonprofit formed in 2018 to do something about it, with a focus on helping low- to moderate-income individuals build financial health and wealth. Much of this takes place through the newly formed Aurora Financial Empowerment Center. Now in its second year of operation, the center has already served 672 families. 

When Carmella Selifis started kindergarten this August, she was ready. She knew how to recognize her name. She knew how to stand in line. She had listened to The Very Hungry Caterpillar and had seen caterpillars turn to butterflies in real life. "She was fully ready and excited," says her mother, Karly Kumo Selifis.