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Provides financial literacy workshops, knowledge, and skills to build and keep assets. Assist individuals to make informed judgments and effective decisions about money management. One-on-one financial literacy counseling and budgeting are also available.

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

As a MN Housing Finance Agency Agent, Kootasca administrates this program in Itasca and Koochiching Counties to prevent homelesness. Households are assisted in securing safe, decent rental housing. Funds are provided to eligible applicants to keep them in stable housing Some program features are: - Tenant Education and assistance to establish good relationship with landlord in safe, affordable housing - Budget counseling - Short-term rental assistance to prevent homelessness - Advocacy services to find information and services needed, plus ongoing support - For Itasca County contact, Gail Beckman 218-999-0833

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include:

- Create and improve credit

- Financial coaching by appointment

- Financial management skills

- Help navigate financial processes and applications

- Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs.

- Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money.

- Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances.

- Tax preparation for people with low or medium income during the tax season

Job Readiness Program Designed to help men prepare for their interview to enter or re-enter the workforce.

- Image consultation consisting of appropriate outfit and haircut

- Interview clothing

- Pre-interview counseling

Mentoring Network Provides individualized counseling to help clients navigate everyday barriers and challenges. Men are paired with mentors for 6 months and tackle specific tasks, including, but not limited to:

- Addressing child support orders

- Credit and debt management

- Engaging in healthy lifestyles

- Resume and job search techniques

Professional Development Series offers weekly group workshops facilitated by Nehemiah project staff focusing on 3 main developmental categories.

- Financial literacy

- Job search techniques

- Life skills development

Offers budget and credit counseling, debt management, student loan counseling, credit report review counseling, and financial education to help families develop skills needed to establish and maintain financial stability. Counselors are trained and certified by the National Foundation for Credit Counseling.

Assists individuals one-on-one with identifying goals, creating action plans, and walking the steps of their plan. Coaches act as cheerleaders, accountability partners, and guides. Also offers educational opportunities for GED, College Prep, College Study/College Success, Digital/Computer Skills, and Career Pathways in Healthcare and Customer Service.

• Budget counseling

• Credit counseling

• Credit report review

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Services provided in person as well as by phone counseling and internet. Services include: - Budget and Debt Counseling: Counselors work with clients on an in-depth review of their living expenses and debts combined with counselor guidance in debt management, goal planning strategies, or suggestions of alternate ways of handling particularly difficult financial concerns. - Counselor on Call: Counselors provide brief Q & A to address consumer questions. The counselor can provide the caller with information about credit and debt, make referrals to community resources, or schedule an appointment with staff for other financial counseling services. - Debt Management Plan: Consolidates monthly bills into one simple payment, often with lower payments and interest rates - Financial Education: Workshops and classes for all age groups are geared to help individuals control their finances and provide resources on various financial topics; delivered to schools, churches, employers, and community groups. - Housing Counseling: Pre purchase homebuyer, post purchase, foreclosure prevention, and reverse mortgage couseling, provided. HUD approved housing counseling agency. - Student Loan Counseling: Helps individuals navigate repayment options for federal, state, and private loans. Helps individuals determine eligibility for repayment options, contact lenders, and can assist in developing a plan that considers the individual's financial situation.

Assists individuals and families to sort through credit and debt problems to find workable solutions, includes:

- Budget counseling

- Community education programs

- Debt management program

- Housing counseling

- Foreclosure prevention

- Homebuyer counseling

- Pre-filing bankruptcy counseling

- Reverse mortgage counseling

Provides financial literacy workshops, knowledge, and skills to build and keep assets. Assist individuals to make informed judgments and effective decisions about money management. One-on-one financial literacy counseling and budgeting are also available.

Provides culturally appropriate pathways to homeownership for Somali women and their families, guiding women on how to utilize resources and tools for financial empowerment, and preparing them to make financial investments in a home. Services provided:

- Create an action plan and steps to achieve goals

- Develop a budget and savings plan

- Encouragement and nonjudgmental support to build financial confidence

- Homebuyer and financial education workshop

- Individualized planning unique to the needs of each woman

- One-on-one advice regarding credit reports and addressing credit problems

Helps to lower or eliminate outstanding debt by working with counselors to reduce existing debt. Debt can include credit cards, collections, medical bills, payday loans, and more. Services include:

- Creating a personalized debt management plan

- Debt consolidation counseling

- Military debt program

- Payday loan relief

• Budget counseling

• Credit counseling

• Credit report review

Provides the following financial wellness services: 

- Bankruptcy Counseling and Certification

- Debt Counseling and Debt Consolidation

- First-Time Homebuyer Housing Counseling

- Home Equity Loan Housing Counseling

- Mortgage Default and Delinquency Housing Counseling

- Reverse Mortgage Housing Counseling

- Student Loan Counseling

Provides financial literacy workshops, knowledge, and skills to build and keep assets. Assist individuals to make informed judgments and effective decisions about money management. One-on-one financial literacy counseling and budgeting are also available.

Offers budget and credit counseling, debt management, student loan counseling, credit report review counseling, and financial education to help families develop skills needed to establish and maintain financial stability. Counselors are trained and certified by the National Foundation for Credit Counseling.

- Financial Counseling for residents of the seven county metro area, primarily Spanish speaking families

• Financial literacy workshops for residents of the seven county metro area available in Spanish and English

• Housing development for St. Paul's west side

• MHFA home improvement loans to residents of seven county metro area

• Homebuyer education workshops (HomeStretch) are offered in Spanish and English. This nine hour workshops walks you through the homeownership process. Topics include, savings, credit, affordability

Provides education, support and community referrals to individuals related to starting a business, understanding and cleaning up credit reports, and learning how to save money.

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include:

- Create and improve credit

- Financial coaching by appointment

- Financial management skills

- Help navigate financial processes and applications

- Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs.

- Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money.

- Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances.

- Tax preparation for people with low or medium income during the tax season

Provides advice and guidance to help individuals restore financial stability and independence after the loss of a spouse. Areas coaches may help address:

- Banking and investments

- Cash flow and budgeting

- Debt/credit management

- Health insurance

- Home and auto

- Household administration

- Life insurance

- Legacy

- Legal

- Social Security

- Taxes

Offers a wide range of services to support older adults in working toward achieving financial wellness. Financial counseling services may include:

- Budget counseling

- Credit counseling, credit reporting, and delinquency

- Debt management

- Fraud prevention and education

- Guidance on addressing garnishment, collections, defaulted loans, and more

- Reverse mortgages

- Student loan repayment

- Workshops on money