About Us

Our Mission

We believe people can overcome debt, build assets and achieve financial wellness.

We are a nonprofit, holistic financial wellness organization focused on financial counseling, education, growing partnerships and advocacy. 

We provide individualized, nonjudgmental support through financial counseling and education — equipping people to reach their goals and achieve financial wellness.

Our offices in Minnesota and Wisconsin offer in-person services. Services are also available nationally by phone and online. At our St. Paul University location, we also offer career and personal development services.


Our Vision

All people have the opportunity to be financially secure.


Our Approach

At LSS Financial Counseling, we equip people to take control of their finances with tangible steps and personal guidance that are the key to confidence and success. Our goal is to provide helpful, nonjudgmental support to assist you on your journey to financial wellness. We are continually improving the services we provide to meet the needs of the people we serve.


Trustworthy & Effective

With support from LSS Financial Counseling, between $16-20 million is repaid to local and national creditors annually.

LSS Financial Counseling is a nonprofit organization. This means our employees do not work on commission and we don’t try to “sell” you anything. We are here to support you on your journey to financial security.

We are accredited by the Council on Accreditation and members of the National Foundation for Credit Counseling and the Better Business Bureau.

BBB         COA       NFCC

Learn more about our community partners.


Many people avoid financial guidance because of the myths surrounding credit counseling. LSS Financial Counseling is here to set the record straight.

With help from a reputable organization like LSS and if you’re willing to take action, your financial situation will likely improve.

Read 6 Myths About Credit Counseling


We provide a respectful environment to discuss your sensitive financial matters without judgment. We listen carefully to help you identify and evaluate all realistic options. There is never any pressure.


No problem is too big and no question is too simple. We are here for you.

If you find yourself in financial chaos and don’t know where to turn, or just have questions about improving your credit score, buying a home or something else, we can help.

Contact Us

Call 888.577.2227.

You can call a financial counselor even if you just have a quick question. We have offices for in-person appointments and can serve across the U.S. by phone and online. We look forward to connecting with you!

"I am so happy that I learned about LSS Financial Counseling. I am relieved that I now have a plan in place to become debt-free and am grateful for the respect shown to me by Financial Counselor, Julie Martinez. Some of the topics I discussed with her were very private and I was quite embarrassed by my financial situation. Julie treated me with dignity and did not shame me for past spending habits that were outside my means. I appreciate the assistance that LSS has provided and I am looking forward to paying off my debt!"
Monica from Minneapolis