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.

Provides the following financial counseling services: - Budget counseling - Credit counseling - Credit report review

- 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

Class members are educated on: - Why credit is important - How to manage money - The importance of setting goals to achieve a financial objective - How to delete items from a credit report and how a credit score is determined - Information on mortgage issues, the foreclosure process, and how to restore credit - Debt management

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.

In partnership with the Minnesota Department of Veterans Affairs (MDVA), the CORE program offers casework, outreach, referral, and education. Behavioral Health Counseling: - Deployment and reintegration support - Diagnostic assessments - Individuals and couple counseling - Family counseling and support - Trauma-focused Behavioral Therapy Caregiver Support Respite: - Caregiver coaching and counseling - Classes and workshops to caregivers - Emergency care planning - Support groups Case Management: - Case management services to create a personalized plan identifying beneficial services and resources based on an individual's situation Financial Counseling: - Budget and financial counseling services - Credit improvement - Debt management - Foreclosure prevention - Homeownership - Student loan counseling Homeless Initiative: - In a collaboration with Minnesota's Heading Home, staff work with homeless veterans to find solutions for short and long-term shelter Veterans Support Groups: - Men's veterans PTSD support group - Women's support groups for family members of veterans

Provides financial wellness counseling including creating a budget, understanding credit, and making plans to reach financial goals. Provides free, 1 or 2 day financial wellness class utilizing the FDIC Money Smart curriculum that covers a variety of topics, including budgeting, money management, how to access and understand your credit report, how to manage your credit history and debt, and how to protect your identity and assets. Class materials are provided and offered virtually via Teams.

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 financial wellness counseling including creating a budget, understanding credit, and making plans to reach financial goals. Provides free, 1 or 2 day financial wellness class utilizing the FDIC Money Smart curriculum that covers a variety of topics, including budgeting, money management, how to access and understand your credit report, how to manage your credit history and debt, and how to protect your identity and assets. Class materials are provided and offered virtually via Teams.

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.

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

Helps individuals deal with a variety of financial challenges through the following services: - Bankruptcy Certificates: For individuals planning on filing for Chapter 7 or 13 bankruptcy, a Certified Pre-Filing Counseling Session is provided. For individuals who have recently filed Chapter 7 or 13 bankruptcy, a Certified Post-Filing Debtor Education Course is provided. - Credit Counseling: Individuals with excessive debts can meet with a counselor in person, by phone or correspond online. In-person counseling sessions typically last between 30 - 60 minutes. Phone counseling sessions commonly last about 30 minutes, while online exchanges can take place over several days. Individuals establish financial goals, create a budget, decide the best path for repaying and eliminating debt, repay debt within the next 3-5 years at lower interest rates and consider meeting with a bankruptcy attorney. - Credit Report Review: Receive advice and information on how to improve credit score and meet financial goals. Process can take 20 minutes or last as long as 2 or 3 1-hour sessions. Meet with a certified counselor by phone or via web conferencing. - Debt and Payday Loan Consolidation: Takes all of the unsecured debt an individual owes and combines it into 1 monthly payment. - Debt Management: Put together a personal or household budget; receive clarity regarding a current debt situation; compare current debt repayment options with a debt management program; negotiate new agreements with creditors to lower interest rates, stop late or over-limit fees and start reporting payments as on time rather than late; accept a single payment during the month and disperse it to all creditors per their new agreements. Individuals must have a steady income. - Debt Relief: Reorganization or complete forgiveness of an individual's debt that is owed to outside creditors. Debt accrued, is consoldiated into 1, typically smaller, monthly payment and sent to creditors once they accept a proposal. The account wil be closed to further charging and is paid off in an expedited manner. Once an account is paid in full, the overall monthly payment remains the same, and the additional funds are distributed to the next account in line in order to pay the total debt down as quickly as possible. - Military Debt Relief: Credit counseling; reduce interest rates and stop late and over-limit fees; consolidate debt into 1 lower monthly payment; budget counseling; debt management plans; financial education resources; student loan counseling; bankruptcy counseling and education certificates; housing counseling and home ownership preparation education; credit report reviews and analysis. - Student Loan Counseling: Loan forgiveness, discharge, cancellation and guidance

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 preparing them to make financial investments in a home, including: - Create an action plan and steps to achieve goals - Develop a budget and saving plan - Encouragement and nonjudgemental support to build financial confidence - Foreclosure advising - 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

Provides the following financial counseling services: - Budget counseling - Credit counseling - Credit report review

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

Assists individuals and families to sort through the maze of credit and debt problems to find workable solutions, includes: - Budget counseling - Debt management program - Housing counseling - Community education programs - Pre-filing bankruptcy counseling - Reverse mortgage counseling - Foreclosure prevention - Homebuyer counseling In-person, phone, or online counseling available

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.

Provides financial wellness counseling including creating a budget, understanding credit, and making plans to reach financial goals. Provides free, 1 or 2 day financial wellness class utilizing the FDIC Money Smart curriculum that covers a variety of topics, including budgeting, money management, how to access and understand your credit report, how to manage your credit history and debt, and how to protect your identity and assets. Class materials are provided and offered virtually via Teams.

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.

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.

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

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.