Today’s college students are faced with financial choices that could impact them for years into their future. Our mission is beyond financial assistance; we intend to coach our students to help them achieve their full potential as effective adults. We believe effective adults are driven by making values-based decisions, are fiscally responsible and are our future changemakers and leaders.

Values

Strong core values and education are pathways to becoming effective adults. At ZF, our core values are: integrity, personal responsibility, trust, self-awareness and hard work. We apply these values in all that we do. Every challenge has a win-win solution. We believe our students are our customers and we constantly seek ways to improve their ZF experience and better serve them.  We listen, reflect, learn and adjust as they teach us  what they need and how ZF can improve. We firmly believe self-awareness and personal responsibility are the true catalysts for innovation and change in our society. 
Vision
Our vision is an ever-growing community of effective adults driven by their desire to learn, their commitment to their core values and their passion to better our society. This community will be our future leaders. We also hope our students become part of the ZF lifecycle - ZF Student Advisory Group, ZF Coaches, our leadership team members and visionaries, helping guide ZF into the future. - Frank Zenie, Co-founder

Effective Adults

We believe effective adults possess core values, self-awareness, a commitment to learning and financial responsibility. We hold ourselves accountable to the same and coach our students on how to apply these to their life decisions.
​Core Values
  • Develop and are driven by a set of personal values
  • Do not waiver from them even when challenged
  • Earn trust by demonstrating integrity through principle-based actions
  • Want to make the future better than the past
Financial Responsibility
  • Are financially self-sufficient
  • Adopt responsible lifestyles consistent with financial means
Self-Awareness
  • Know and accept their strengths and weaknesses
  • Commit to achieve their full potentials
  • Recognize educational opportunities are special gifts that create obligations to give back
Commitment to Learning 
  • Lead continuous lives of learning and self-development
  • Have a vision for their future – not predefined jobs but visions to pursue
  • Are passionately self-motivated to work hard in pursuit of their visions; reflect, learn and adjust as needed