I'm using Agilo for both, a charity project (http://www.healthcare-it-africa.org) and for student projects. Agilo helps us to structure our projects very easily and trac progress. it is also perfect for teaching students the basics of agile development. It also is THE tool for everyone who has read the bood "Head First - Software Engineering", since the white board is exactly reflecting the images in the book. It took me only a bit to install and figure out how to support multiple-projects. But now it works like a champ!