Financial coaching programs are increasingly popular services offered to help people with low and middle incomes navigate their finances. Despite these programs’ growing prevalence, evidence about their effectiveness is still emerging. We evaluated a statewide public-private partnership financial coaching program in Delaware: $tand By Me ($BM). This fact sheet highlights the key findings from analysis of credit data. We find $BM clients took more active steps to improve their financial well-being and creditworthiness than a comparison group. $BM clients took advantage of their improved creditworthiness by adopting new forms of debt. Finally, the program’s effects on clients’ debt levels was mixed.