Personal Finance is a part of eXtension providing the best information and educational opportunities the nationwide Cooperative Extension System (CES) offers. CES is a Congressionally-mandated, nationwide, non-formal educational network that takes research knowledge from 106 public land-grant universities to people where they live and work. More than 3,000 county offices, located in every state, the District of Columbia, and seven U.S. territories, are a part of this educational network. Its federal partner is the USDA’s National Institute of Food and Agriculture (NIFA).