The Pennsylvania Housing Finance Agency is responsible for helping Pennsylvania citizens by offering affordable housing resources, including loans and rent assistance. PHFA offers programs and administers funds from Pennsylvania Department of State, Federal Government and other tax related programs in turn PHFA receives fees to deliver these funds. Also PHFA conducts housing studies, promotes counseling and education for renters and home buyers, encourages supportive services at apartments it has financed, administers rent subsidy contracts for the Federal government, and acts as an advocate to promote the benefits of decent, and affordable shelter.