Our Services

Develop Healthy Financial Habits

man and woman

We believe you can eliminate your debt and achieve financial wellness. When you’re ready to take action, LSS Financial Counseling is here to support you. Certified LSS financial counselors provide realistic, action-oriented, and non-judgmental guidance and support. You will receive knowledge and proven tools to take control of your finances, pay off debt, or achieve other goals such as buying your first home.

For organizations, LSS Financial Counseling offers financial education workshops and a comprehensive financial wellness program called Financial Choice.We are a trusted nonprofit with services available in-person at offices across Minnesota and Wisconsin and by phone nationwide.

Services for Individuals

Free Credit Report Reviews

Access your credit report and review it with a certified financial counselor.

Budget & Debt Counseling

Gain skills and tools to overcome debt and manage your budget to achieve financial wellness.

Debt Management Plans (DMPs)

Create a plan with a financial counselor to lower your interest rates and pay off debt faster through one simple monthly payment.

Foreclosure Prevention

Review your options to avoid home foreclosure with a trusted local, nonprofit housing counselor.

Reverse Mortgage Counseling

Our HUD-certified housing counselors provide impartial reverse mortgage education and can explain how a reverse mortgage will affect your financial situation.

Student Loan Debt

Whether you are in school right now, in repayment, or helping a borrower, we can help you understand your options and develop a plan.

Successful Homebuying

If you are considering homeownership, an LSS HUD-certified counselor can help you to get your finances in order and provide support through the homebuying process.

Note: LSS Financial Counseling does not provide bankruptcy services. For this support, please view this list of approved EOUST organizations that can assist.

Services for Organizations & Professionals

Financial Choice

Organizations can offer this proven financial wellness benefit to their members or employees for one annual fee. Financial Choice is tailored to meet your goals and suit your business, credit union, bank, tribe, religious organization, or community group.

Benefits for your business or group include:

  • A custom webpage for your members/employees featuring your logo
  • Up to four financial classes and workshops for your group per year
  • Up to six one-on-one financial counseling sessions per year for each member
  • Integration of financial wellness into your employee/member benefit plans

Financial Education

LSS offers classes and workshops on financial literacy for schools, community groups, places of worship, workplaces, and more.

Train-the-Trainer Program

LSS financial counselors teach frontline employees in human services and anti-poverty programs how to provide financial coaching.


LSS Financial Counseling is proud to offer services nationwide and from our offices locations in these communities:

Brainerd • Duluth • Mankato • Minneapolis • Rochester • St. Louis Park • Saint Paul • Superior, WI • Willmar

Additional Services at the Eastside Financial Center

EFC Building

The Eastside Financial Center (EFC), located in Saint Paul, offers unique services that integrate financial and employment services. These services are available in addition to the financial services we offer at other LSS Financial Counseling locations. We offer:

  • Financial and employment coaching
  • Screening for benefits programs
  • Banking and financial products
  • Free tax preparation
  • Debt Management Plans (also offered at other locations)

Eastside Financial Center


LSS Financial Counseling Service