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Provides an individualized service option to support an individual's independence in their own living environment. Independent living skills training and services include: - Development of self-advocacy skills - Facilitation in seeking and maintaining housing - Medical advocacy and support - Meal planning - Obtain daily living skills and maintain independence - Recreational and social opportunities - Support with medication, financial, money, and household management - Transportation

Offers personal finance education, self-paced online course, and online tools, including: - Budget calculators - Credit basics - Community forum - Personal finance presentations - Saving money guides

Provides a full spectrum of learning options for community members in person and online. Adult Education services include: - Basic skills (math, reading, and writing) and computer training - Budgeting and financial literacy - GED preparation - Interview skills - Citizenship - College and career preparation - Creating a resume - English Language Learning (ELL)/English as a Second Language (ESL) -Industry-specific training such as entrepreneur training, carpentry, pre-apprenticeship, ServSafe food manager certification, and para-professional certification Adults set their own goals and work at their own pace. Instructors help adults explore and achieve their education goals.

Provides a full spectrum of learning options for community members in person and online. Adult Education services include: - Basic skills (math, reading, and writing) and computer training - Budgeting and financial literacy - GED preparation - Interview skills - Citizenship - College and career preparation - Creating a resume - English Language Learning (ELL)/English as a Second Language (ESL) -Industry-specific training such as entrepreneur training, carpentry, pre-apprenticeship, ServSafe food manager certification, and para-professional certification Adults set their own goals and work at their own pace. Instructors help adults explore and achieve their education goals.

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.

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.

- Promotes economic well-being and community development with financial and developmental products and services. Small Business Loans- From $5,000-$50,000 and above - Provides capital to business on the LLR and within 25 miles of the reservation boundaries Credit Builder Loans- Low interest loans up to $1,000 - Are available for any employee who can collateralize enough leave hours to cover the amount of the loan, and owes no debts to the Band Business 101 - Designed for entrepreneurs, Business 101 provides the "how to" bring an idea to a fruition as a business, and all the steps in between. The class is a requirement for participants in the Small Business Loan Program Building Native Communities - Provides financial skills specifically tailored to the LLBO community. This is the education component tot he Credit Builder Loan program. Credit Building on the Rez - Taught by GP Anderson, a senior certified credit professional, over 120 community members have been trained in credit building, repair and establishment in 2013

Classes designed to help clients get out of debt, improve their credit, save money for the future, get ready for home ownership, learn the basics of investing, avoid predatory lending, and become financially independent. Strategies include: - Budgeting to create savings - Reducing debt - Fixing credit report errors - Paying off collections - Building good credit - Helping to maintain solid income and employment and saving for down payment? - Certified Homebuyer Education course that is often required by lenders Housing Counselors help clients get mortgage-ready and once ready, figure out how to: - Shop for a lender - Pick a loan - Decide on a real estate agent - Find a home - Figure out home inspection, home insurance and closing processes - Housing Counselors assist throughout the entire home-buying process FAIM Matched savings program for down payment and closing costs, often used to help save for first-time homeownership

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.

Provides a variety of community education classes including: - Adult personal enrichment, technology, crafts, and foods/cooking - Adult fitness/sports, finances/business, and trips - Aquatic classes - Youth enrichment including painting instruction - Youth sports/recreation

Provides a full spectrum of learning options for community members in person and online. Adult Education services include: - Basic skills (math, reading, and writing) and computer training - Budgeting and financial literacy - GED preparation - Interview skills - Citizenship - College and career preparation - Creating a resume - English Language Learning (ELL)/English as a Second Language (ESL) -Industry-specific training such as entrepreneur training, carpentry, pre-apprenticeship, ServSafe food manager certification, and para-professional certification Adults set their own goals and work at their own pace. Instructors help adults explore and achieve their education goals.

Private nonprofit company revitalizing neighborhoods by creating and supporting successful home ownership through a one-stop shop: - Counseling on home purchase - Financial literacy programs - credit, budgeting, financial planning - Foreclosure prevention, anti-predatory lending support and programs - Home Stretch home buyer workshops - Low interest and deferred loans for home improvement and down payment assistance; grants may be available - Programming in Hmong including Home Stretch Workshops, home buyer, financial literacy, foreclosure prevention programs - Renovated or new homes for sale NOTE: Does not provide rental assistance, rental units, or assist with other rental issues

Provides people with an opportunity to develop knowledge and skills needed to move towards financial independence. Also offers a money smart class for older adults.

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.

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 day-long and multi-part classes which include topics in the areas of: - Asset building - Budgeting to create savings - Building a good credit rating - Consumer protection - Debt reduction - Relationships with financial institutions

Provides a full spectrum of learning options for community members in person and online. Adult Education services include: - Basic skills (math, reading, and writing) and computer training - Budgeting and financial literacy - GED preparation - Interview skills - Citizenship - College and career preparation - Creating a resume - English Language Learning (ELL)/English as a Second Language (ESL) -Industry-specific training such as entrepreneur training, carpentry, pre-apprenticeship, ServSafe food manager certification, and para-professional certification Adults set their own goals and work at their own pace. Instructors help adults explore and achieve their education goals.

- Financial Freedom training: Provides budgeting to create savings, debt reduction, and asset building, understanding credit, building a good credit rating, consumer protection, and dealing with creditors - Homebuyer Education: Partners with the Minnesota Homeownership Center to provide homebuyer education classes to make successful homeownership possible for low and moderate income households in the community

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.

Provides day-long and multi-part classes which include topics in the areas of: - Asset building - Budgeting to create savings - Building a good credit rating - Consumer protection - Debt reduction - Relationships with financial institutions

Provides employment and training services to young adults such as: - Assists with transition from school to higher education, the military, or employment - Career exploration - GED/Adult High School Diploma support - "Get Started" program to help enroll and complete an educational goal - Paid work experience/internships to learn skills needed to succeed in the job market - Possible funding for transportation, educational, or employment needs - Resume writing, classes on job search, job retention, and support services - Virtual courses in budgeting, communication, health and wellness, and community exploration

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

Provides the following services: - Arts and crafts instruction - Cooking classes - CPR and First Aid - Dance classes - Exercise programs - Financial planning - Firearm safety - Martial arts instruction - New driver instruction

Offers information and assistance to help clients achieve financial stability by providing the Family Assets for Independence in Minnesota (FAIM) program and financial training. Financial training curriculum is based on the Four Cornerstones of Financial Literacy curriculum. FAIM programs are matched savings project to help Minnesota low-wage earners to build assets through the purchase of a home, pursuit of higher education, or launching of a small business

Offers independent living skills including:? - Literacy - Money management - Nutrition - Personal grooming - Social fluency