One critical skill to help new citizens to fulfill their American Dream is the financial know-how of the U.S. banking system. Financial capability -- financial knowledge, counseling, and access -- is critically important for immigrants who are in the process of changing their legal status.

The snowballing expenses are virtually impossible for low-income legal permanent residents and families who may have multiple members applying to afford.

When you toss your cap in the air on graduation day, the world feels like it is at your feet. You're ready to enter adulthood armed with a degree from college, you've got a few job prospects and life feels pretty sweet. That's until you go to buy your first car and realize that the one thing you didn't do in college was build yourself a solid credit record.