Established in 1974 under the name Consumer Credit Counseling Service of Greater Dallas, Transformance, Inc., is a nonprofit organization that has served as a beacon of hope for consumers facing a financial crisis due to student loans, consumer indebtedness and/or mortgages. As a HUD-approved housing counseling agency, Transformance serves a nationwide client base from its offices in Texas and Colorado. The agency seeks to continue its traditional crisis counseling and instructor-led educational offerings while launching a portfolio of multi-platform, digital e-learning offerings and gamification apps. E-learning offerings are designed to promote financial resiliency and wealth accumulation through informed decision making and long-term behavior modification. Finally, e-learning and gamification apps are designed to have a sustainable measurable impact to a large number of participants across the nation, possibly reaching 10 million or more users per year.