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 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 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 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

Offers insights into a variety of topics thru virtual workshops, from basics like creating a budget to advanced topics like pre-purchase counseling and risk management.

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

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 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.

A series of life readiness workshops for youth transitioning from adolescence to adulthood. The workshop series equips youth with the tools that they need to succeed in the adult world. This program is not an alternative to a general education, but rather covers many topics that are not often covered in the traditional classroom. Program includes: - Career Pathways: Knowing their goals, and how to get there - Empowerment: Personal development, and Health and Wellness - Entrepreneurial Development: Owning their own full/part-time business - Leadership Skills: Interpersonal communication and community involvement - Wealth Building: Banking, investing, and credit building - Work Readiness: Applying for jobs and resume writing This program, in partnership with YES Duluth, also offers industry-specific paid internships and job placement, as well as wraparound educational, mental health, housing, and financial assistance programs through Life House Duluth. Youth will also work one-on-one with professionally trained mentors who will assess strengths, skills, and interests, as well as identify, and address barriers to achieving goals. After completing the ABCs, youth who are interested in owning their own business will be eligible to enroll in Freedom Youth Start-Ups (FYSU). This entrepreneurial development program assists youth with drafting business plans, providing access to micro-loans, and industry specific technical assistance. This is a 6 week (3 hours a week) course includes transportation, food, technology and childcare (for young parents).

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.

Helps people develop skills and knowledge to improve their lives and communities. Offers a variety of programs for learners of all ages. Class offerings include adult enrichment, babysitting safety, budgeting courses, cooking classes, driving education classes, field trips, horse camps, music lessons, photography courses, sports and recreational activities, swimming lessons, youth enrichment classes, and more.

Achieve Homeownership: Identifies and addresses barriers to homeownership faced by culturally diverse households and includes culturally-tailored financial literacy classes, homebuyer education classes, prepurchase financial counseling, and downpayment and closing cost assistance programs Multi-Family Projects: Creates and preserves affordable housing throughout southeast and south central Minnesota (Fox Pointe Townhomes, Spring Creek Townhomes, Prairiewood Townhomes, and Northbridge Apartments).?

Offers several services to the community, such as: - Cultural Preservation and Pride: Provides festivals, storytelling circles, and cultural showcases encompassing identity and culture - Economic Independence: Provide programs and tools to help families build economic independence including job training, business consulting, and financial literacy programs - First-Generation Student Scholarship and Mentorship: Offer academic and scholarship resources, college readiness support, and mentorship to help students achieve their educational goals - Information and Resources: Connect families to culturally competent resources in health care and mental health services - Immigration and Legal Education: Offers information to immigrant families about immigration and provide referrals to legal resources

- Archery - Art classes - Cooking classes - Crocheting classes - Dance classes including ballet and jazz - Financial planning classes - General health education classes - Nutrition classes ??- Sports and exercise classes - Swimming lessons ?? - Safety awareness and self defense classes ?- Theater appreciation classes - Yoga classes

- 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

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.

Agriculture: Works directly with the beginning farmers and build relations between them, local, and regional markets Asset Building: Assists individuals to achieve long-term economic goals through asset building. Helps establish finacial literacy, identifying edication and training programs. Assists in developing budgets and savings plans for home buyers. Emergency Housing Services: Assists immigrants and refugees to secure affordable, safe rental housing. Participants in this program are assisted with housing placement, a small short-term rental subsidy (based on income eligibility) and intensive case management to help families overcome barriers to self-sufficiency and obtain sustainable housing. Homeownership Counseling: Provides one-on-one counseling and group education workshops to educate individuals on the home buying process and determine whether they are ready for homeownership. Individual counseling sessions include housing needs assessment, financial assessment, credit review, and implementation of an action plan to reach each participant's housing goals. Refugee IDA Program: An one-to-one match program to help refugees save money towards either college, car, home and owning their business. The program provides access to financial trainings, workshops, resources. Southeast Asian Farmers Education: Helps Hmong, Burmese, Karen, and Bhutanese farmers learn how to best grow their farm businesses. Program provides the resources, training, and technical assistance to help beginning and seasoned farmers to improve their income. Small Business Loans: Offers a variety of loansto economically disadvantaged clients from the immigrant and refugee communities who are intrested in starting or expanding a business. The program is designed to help start and/or expand micro-enterprises and transition towards the economic independence, business development, job creation, and community revitalization.

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

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

Helps individuals to gain skills for the workforce. This is achieved by either volunteering first with the agency to possibly obtain employment with Mad Dads or attending one of the classes offered. Classes teach financial literacy, interview skills, job search strategies, job training/skills development, job placement, and personal development.

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

Prepares participants by providing the tools to develop hard and soft skills, reach career goals and obtain proper certifications and licenses. Career training coaches are available to assist every step of the way by preparing participants for college-level classes, connecting them to employers and helping to build professional skills and networks. Healthcare Career Pathways: Helps participants build skills, reach career goals, and obtain proper certifications and licenses. Provides a training coach that prepares participants for college-level classes, connections to employers, and builds professional skills and networks. Courses offered include English for Industry, Nursing Assistant, Basic Life Support for Healthcare Providers, and Nursing Assistant Refresher. Career Essential Workshop: Provides a two-part MFIP/DWP workshop that offers basic resume writing, formatting tricks, basic resume etiquette, insight to job searching tools and practices, how to write a targeted cover letter, the importance of professional emails, and workshop schedule and expectations. Four Cornerstones of Financial Wellness: Provides classes that help participants increase financial management skills and learn to navigate financial systems. Classes include: budgeting to create savings, asset building and debt reduction, building a good credit report, and consumer protection and financial institutions. Class A Commerical Driver's License Program: Helps participants earn a CDL for free by providing a training coach. Provides an immersive and hands-on training program held at the Interstate Truck Driving School. Re-Entry Services: Provides adults recently paroled or released an opportunity to gain proper credentials in trainings such as Class A Commercial Driver's License. In addition to job training and career planning, participants will have access to transportation assistance and financial coaching. Welding and CNC Machining: Offers participants that have completed Manufacturing Foundations, the opportunity to pursue advanced manufacturing programs at Hennepin Technical College that includes 7 - 10 month certificates in Gas Metal Arc Welding or CNC Machining. Program also prepares participants an opportunity to continue their education and earn an associate's degree in a skilled trade.

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

Works and collaborates with community members and organizations to provide learning opportunities that meet community needs and enhance the quality of life. Provides classes, activities, and programs for children, adults, and families through community education. Classes offered: - Adult and youth enrichment classes - Business and finance courses - Experiential education such as rock gym wellness program - Book club and storytime sessions - Hobbies and painting - Fitness for children, youth, and adults