FINANCIAL PROGRAMS Certain program are available in New Mexico that help low and moderate income residents with personal finances, using credit wisely, and building savings. Please note that this is not a full listing of programs that may be available to you. Click on a program name for more information. Consumer Credit Counseling Consumer credit counseling programs are programs for people who are having trouble paying their debts or have other financial questions. Credit counseling programs offer financial counseling, debt management plans, bankruptcy information, foreclosure prevention, and other money management services. Individual Development Accounts (IDAs) An individual development account (IDA) is a special matched savings account to help individuals and families with low income put money aside for education, homeownership, a small business, or other assets. IDA programs in New Mexico are funded through the state and private donations. For every dollar you deposit in your IDA account, the IDA program puts in one or more matching dollars. Your savings will double, triple, or even quadruple with the matching IDA deposits.