For In-person or
Phone Counseling
 CALL US
888.577.2227

  
For Online
Bankruptcy Counseling
CLICK HERE

OR
  
For Online Budget and
Debt Counseling
CLICK HERE
  
OR
   
For Any Questions
 CONTACT US

  
LSS Financial Counseling is a service of Lutheran Social Service of Minnesota which serves all people regardless of race, color, creed, religion, national origin, sex, sexual orientation, disability or age.
 

 

 

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LSS FINANCIAL COUNSELING SERVICE
A CONSUMER CREDIT COUNSELING SERVICE PROGRAM

 

Merry Christmas? Bah-Humbug!
 How long will it take you to actually pay off your holiday debts?
Take the Scrooge-O-Meter test and find out.

  

Amount you plan to charge on holiday gifts $

Annual Percentage Rate: 

Monthly Payment $ 

 

Months required to pay balance: 

Your total payment will be: 

Your total interest payment will be: 
 
 
 

If you do have financial holiday pain, get help!
Lutheran Social Service has certified financial counselors who offer debt management plans and free budget counseling. LSS is a member of the National Foundation for Credit Counseling (NFCC). For more information, call 1-888-577-2227

Budget Tools

Budget Planner
Use our Budget Planner and develop a Spending Plan! It's your opportunity today to guide your life in the direction you want for tomorrow. Click here for a simple Spending Plan tool. Our Budget Planner is an Adobe Acrobat PDF file. If you need the Acrobat Reader, click on the icon below.