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About Us

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    About Us


    Our Mission

    We believe people can conquer their debt, gain control of their finances, and achieve financial wellness.

    LSS Financial Counseling is a nonprofit, full-service credit counseling agency. We equip and enable people in our communities around the United States with quality guidance, knowledge, and tools so they can skillfully achieve freedom from debt and worry about their finances.

    Our offices are located in Minnesota and Wisconsin, with services offered locally and nationally over the phone and online.  

  • Trusted. Local. Nonprofit.

    LSS Financial Counseling is accredited by the Council on Accreditation, a member of the National Foundation for Credit Counseling, and is one of the most trusted credit counseling organizations in the U.S.

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    Financial Counseling Services


    For Individuals 

    For Organizations and Professions 

    Budget and Debt Counseling Financial Education Classes & Workshops
    Debt Management Plans (DMPs) Train-the-Trainer Program
    Housing Foreclosure Prevention Financial Choice Member Benefits Program
    Reverse Mortgage Counseling     
    Credit Report Review  


    Our History

    LSS Financial Counseling is a program of Lutheran Social Service of Minnesota The agency began offering budget and debt counseling and debt management plans in 1987.

    In the 1990’s, LSS Financial Counseling began offering HUD-approved foreclosure prevention and housing counseling services.

    In the past ten years, we have added reverse mortgage counseling for seniors, student loan counseling and education, and an array of financial education and financial opportunity center programs.