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 nonjudgmental 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. This includes credit counseling.

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.

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)

Take steps to reach your long-term career goal in the healthcare industry! 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

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.

Customized Matched Savings

LSS offers 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 say 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, Lakeville, MN

Contact Us & Get Started

If you would like to learn more about the services we provide or how to start receiving support, please call 888.577.2227, email us or complete our short contact form.

Our free and confidential services are available nationwide by phone or virtually. For in-person appointments view our office locations to find a location near you!

We have counselors who are fluent in English, Spanish and Hmong. Interpretation, Telecommunications Device for the Deaf (TDD), and TeleTYpe (TYY) services are available as needed.

Over the phone logo.Phone, Virtual or In-Person Appointment

Call 888.577.2227 to schedule a phone or virtual appointment at a time convenient for you. Or set up an in-person appointment at one of our Minnesota or Wisconsin locations.

Please note: to limit the spread of the coronavirus, we are currently offering phone, virtual and online appointments only. We will reintroduce in-person appointments at a later date.

Online logoOnline Appointment

Get all your support by email.

To get started:

  1. Create your financial profile online any time of day with an email address and a password.
  2. Next, share your financial goal(s) and any other information you believe would assist us in understanding your financial circumstances.
  3. Then provide the amount of your household take-home income, balances and payment amount for credit card and unsecured debts, and monthly expenses. Click Finish to submit your information. Once submitted, your financial profile cannot be changed or updated.
  4. Finally, a counselor will email you within two to three business days to provide options and work with you to determine next steps to reach your goal(s).

If you are seeking guidance for student loan debt or housing issues, please call us at 888.577.2227 to schedule a phone appointment.

Please note: we do not provide retirement planning services or investment advice.


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

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


LSS Financial Counseling Service