As Africans migrate from a credit/debt free continent to a credit/debit driven country they must be aware of the dangers surrounding credit and debts. The number one problem facing African immigrants in the US is financial management and how the credit system in the US works. We provide information and coaching to help them understand the financial system in the USA, we encourage them to stay out of any kind of debts so as to avoid the consequences which in many cases will destroy their lives and family