Capital Good Fund, a non-profit lender founded by Brown University students, received a grant in 2010 to reduce greenhouse gas emissions and energy bills and increase the credit scores of low and moderate-income individuals with no or poor credit histories by making $150 'Green Credit Builder' loans that will cover the cost of installing a programmable thermostat in the borrower's place of residence and will build their credit as they make repayments. In addition, the group provides financial and environmental literacy training to ensure that the borrowers understand credit and budgeting as well as methods of decreasing their energy consumption.