(1) In the operation and management of housing projects, an authority may assist in the establishment and development of a continuing program of counseling and education for its tenants on household management, self-help, budgeting and money management, consumer education and related counseling and educational services which will assist its tenants in improving their living conditions and ability to purchase a home.
(2) Such program may include a credit union for the tenants.
(3) Such programs should be developed and scheduled to encourage maximum participation of the tenants.