Focus: HOPE provides valuable, practical occupational training in machinist or information technology (IT) occupations to young people who face barriers to the development of viable careers through postsecondary education and training because of low-income, basic skills deficiencies, incarceration, or parenting responsibilities. This report documents a study of the adult training programs provided by Focus: HOPE. Essentially two major strands of research comprise the study. The first strand is a study of the student loan fund that is used as a financing mechanism for students who enroll in the Machinist Training Institute (MTI) or Information Technologies Center (ITC). The second strand is a net impact evaluation of the training provided by these two entities. Loan fund simulation is appended. (Contains 43 tables, 1 figure and 14 footnotes.)