Our Services

Develop Healthy Financial Habits

a man and woman receiving financial counseling

We offer nonjudgmental support, guidance and proven tools to achieve financial wellness, develop healthy financial habits, pay off debt and more.

Our National Foundation for Credit Counseling (NFCC) certified financial counselors provide realistic, action-oriented and confidential services. Our services include consumer credit counseling, housing counseling, budget and debt management counseling, student loan counseling and nonprofit Debt Management Plans.

For organizations, we offer financial education workshops and a comprehensive financial wellness service called Financial Choice.

We are a trusted nonprofit offering services virtually, by phone (nationwide) and in-person at offices across Minnesota.

Services for Individuals & Families

Credit Report Reviews

A key component to gaining control of your finances is knowing exactly where you stand financially. You are entitled to a free credit report once per year from each of the three major credit reporting bureaus. We can help you obtain a copy of your credit report and review it with you.

Budget & Debt Management Counseling

Take the first steps toward a debt-free future by getting started with a budget and debt counseling appointment. Our financial counselors are here to assist you with creating a plan, so you'll feel confident in managing your finances; Gain skills and tools to overcome debt and manage your budget to achieve financial wellness.

Debt Management Plans (DMPs)

Create a nonprofit Debt Management Plan with a financial counselor to reduce your interest rates and pay off debt faster by consolidating your payments into one each month. Don't wait...take action now!

Student Loan Debt Counseling

Having trouble paying off your student loan debt, understanding your student loan repayment options or student loan forgiveness programs? Whether you are in school right now, in repayment, or helping a borrower, a student loan debt counselor can help you understand your options and develop a plan.

Foreclosure Prevention Counseling

Review your options to prevent and avoid home foreclosure with a trusted, experienced nonprofit HUD-certified housing counselor.

Reverse Mortgage Counseling

Our HUD-certified housing counselors provide unbiased reverse mortgage support to help you navigate the reverse mortgage process. Our experts can explain how a reverse mortgage will affect your financial situation.

Homeownership Counseling

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

Financial Products (St. Paul)

In partnership with Prepare + Prosper we can support you in learning about and getting started with checking and savings accounts or a credit building loan. These services are available at our St. Paul - University location only.

Healthcare Careers Program (St. Paul)

Start earning more! Enter or advance in your health care career by working with an employment counselor to assess, plan and take action. This service is available at our St. Paul - University location only.

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 web page 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

We offer classes and workshops on financial literacy for schools, community groups, places of worship, workplaces, and more. Our expert team can make practical financial education come alive in any setting.

Train-the-Trainer Program

We offer intensive, professional-level training to direct service employees in human services and anti-poverty programs. These training are customizable and equip them to teach, train and support financial literacy for people in their communities.

Customized Matched Savings

We offer this service to organizations and their participants to help them build assets to create a more secure financial future and increase financial wellness.

Customized Matched Savings is a service available currently to Twin Cities employers and providers.

What People Are Saying About Us

Every day we help people learn to manage their finances.

"I found your financial counselors highly professional, highly engaging, easy to talk to.  They provided a simple plan to help with my financial situation, referred me to plenty of resources, and helped me think of things I haven’t thought of -- even for someone like myself that reads a lot of financial advice and financial news. I really recommend your services to any person, regardless of whatever situation they find themselves in financially.  You’re a wonderful resource."
– Glen

Get Started Today

woman on phoneOur free and confidential services are available nationwide by phone or virtually. We also offer in-person appointments across Minnesota.

We have counselors who are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Get Started



LSS Financial Counseling