Student Loan Debt

Get Back on Track

Graduated college kids staring in the distance.Having trouble paying your student loans? We're here to help.

Without a plan, it can take years or decades to repay student loans and the interest accrued.

Whether you are in school right now, in the process of paying your loans off, or helping someone else with their student loans, we are here to guide you through the options and help you develop a payment action plan.

How an LSS Financial Counselor Can Assist

Our trusted nonprofit financial counselors can assist in two ways: by providing free expert advice for loan repayment and making sure you are aware of available resources that can help ease the burden. We can help with federal, state or private student loans.

LSS financial counselors will:

  • Explore repayment options for all student loans and your potential solutions
  • Determine your eligibility for federal repayment options
  • Establish a budget to cover monthly expenses, including loan payments
  • Work with you to contact private lenders to determine possible repayment solutions
  • Help you come up with a plan to avoid default and the related consequences
  • Assist you in bringing your loans current if you’ve fallen behind on payments or are in default
  • Create an individualized action plan to help you regain control of your finances


Get started today!

Student loan counseling is free and confidential. Choose the best option for you:

Over the phone logo.Phone or In Person Appointment

Call 888.577.2227
Schedule a phone appointment at a time convenient for you or an office appointment at one of our Minnesota or Wisconsin locations.

What do I need for counseling?

In order for your financial counseling session to be most productive, it is helpful to have the following information available:

  • Your monthly income
  • Typical monthly expenses
  • Statements from your creditors.
  • Any other information you believe would be helpful in understanding your financial situation.

Don't have everything? Don't worry. Call us and we help guide you through the process.


Additional Student Loan Resources

6 Things Every Person Should Know About Student Loans
Settling into a routine that demands balancing classes, studying, working part-time and having some fun will not only be a challenge, but will also take some time. While in college, don't put your student loans on auto-pilot.

Should I Consolidate My Student Loans?
Before consolidating any loans, review the pros and cons.

What You Should Know About Student Loans
Our past Program Director, Darryl Dahlheimer, shares his insight on how to pick the best student loan and offers an overview of different types available and common red flags. (Featured on