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For Individuals

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    Develop Healthy Financial Habits

    We've been helping people in your community since 1987. LSS Financial Counseling is one of the most trusted credit counseling organizations in the Upper Midwest, accredited by the Council on Accreditation, and a member of the National Foundation for Credit Counseling. When you're ready to take action, we're here to offer the help you need.

    Our mission is to empower people to take control of their debt with tangible steps and personal guidance that are the key to confidence and success. 



    Budget & Debt Counseling

    Consider your options--for free. Our financial counselors will help you develop a budget and a plan of action for debt payment based on your individual situation.

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    Consolidate Your Payments

    A Debt Management Plan (DMP) consolidates your monthly bills into one simple payment -- often with a lower interest rate -- so you can start paying off those debts and return to financial health faster.

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    Student Loan Counseling

    Managing student loan debt can feel impossible. Whether you are a student, graduated, or helping a family member with their loans...We can help. 

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    Credit Report Review

    Improve your credit score. We will help you get a free copy of your credit report and provide a free and confidential review to ensure you have the tools necessary to improve, maintain and protect your credit standing.

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    Foreclosure Prevention Counseling

    Protect your home. Our HUD-certified housing counselors can help you assess your options whether you're having trouble making mortgage payments, considering refinancing or even buying a home.

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    Homebuyer Education, a service provided by the Minnesota Homeownership Center

    Buying a home can be a great financial asset for you and your family. Through this service, a HUD certified counselor works with you to get your finances in order and walk you through the homebuying process.

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    Reverse Mortgage Counseling

    HUD-certified specialty counselors help you make informed choices about reverse mortgage options so you make the best choices for you.

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