Family Self-Sufficiency Program

The Family Self-Sufficiency program is designed to help participants of the HRA Section 8 Rental Housing Assistance and Public Housing programs. The Family Self-Sufficiency program exists to help people take a step toward financial independence. By establishing a fixed savings plan, participants accumulate money that can be used toward buying a home, a car or other important need. This program sets a low monthly rent level as your earned income increases, but requires a monthly payment above that rent amount. The extra money you pay is deposited into an account that is given to you in one lump sum at the end of the program. All it takes is a commitment to succeed, and we do the rest.

Step 1: Apply
To be eligible, you must be a participant in an HRA Section 8 Housing Choice Voucher or Public Housing program. The application process begins with an appointment with a coordinator, who will talk to you about your plans for the future. From there, the coordinator will work with you to establish a step-by-step plan for meeting your goals for financial independence.

Step 2: Save
After your application is submitted and goals have been defined, your rent becomes fixed. As your earned income increases, the difference between what would be your new adjusted rent amount and the fixed rent amount is set aside in an interest-bearing escrow account. In other words, by paying a higher monthly rent, you are actually paying yourself!

Step 3: Withdraw
Your escrow account comes due when you have accomplished the goals outlined when you entered the program. At that time, the entire escrow balance and the accrued interest will be yours. Many participants have withdrawn several thousands of dollars upon completing the program.

So, are you ready to get ahead?
It all begins with one phone call.


  • 222 E. Second Street
    P.O. Box 16900
    Duluth, MN 55816
    Phone #: 218-529-6300

    To place a call to a Minnesota Relay User, dial 7-1-1 or 1-800-627-3529.