The HMAC CTT team is committed to keeping our promise to provide collegiate members with support as they continue their journey through college and beyond. In this day and age, financial literacy education is imperative for one's success. We have compiled a few resources to get you started: dfree Billion Dollar Challenge The dfree® Financial Freedom Movement is a faith-based initiative that offers practical strategies for achieving financial success. The Billion Dollar Challenge (BDC) is a dfree interactive web tool to assist individuals to pay down one billion dollars of consumer debt. dfree Young Money dfree® Young Money is a movement designed to educate youth and young adults ages 12 - 27 on the importance of incorporating financial wellness as a daily lifestyle. Keep in touch by using the medium that is most convenient for you. #SECURETHEBAG It is easy and fun!