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, SerySafe food manager certification, 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 - Work Readiness: Applying for jobs and resume writing - Entrepreneurial Development: Owning their own full/part-time business - Wealth Building: Banking, investing, and credit building - Leadership Skills: Interpersonal communication and community involvement - Empowerment: Personal development, and Health and Wellness 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 though 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).

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.

Self-Paced online financial education training covering the following topics: - Borrowing Basics - Building Your Financial Future - Buying a Home - Credit Reports and Scores - Disasters - Financial Preparation and Recovery - Making Housing Decisions - Managing Debt - Protecting Your Identity and Other Assets - Using Credit Cards - You Can Bank on It - Your Income and Expenses - Your Money Values and Influences - Your Savings - Your Spending and Saving Plan

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, SerySafe food manager certification, para-professional certification Adults set their own goals and work at their own pace. Instructors help adults explore and achieve their education goals.

- 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 over 250 enrichment classes to adult residents including classes in: - Artistic endeavors - Career development - Culinary skills - Computers and technology ?- Dance and music - Financial management - Fitness - Global languages and cultures - Health and wellness - Home improvement

- 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

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 cooking classes, craft classes, dog obedience classes, driving courses, financial planning classes, gardening courses, organizational classes, scrapbooking classes, swimming lessons, and more.

Workshop that teach essential life skills to women. Provides empowerment for women of all ages to be mentally, spiritually, emotionally, and financially equipped. 34 workshops are offered throughout the course of the school year, and include a variety of topics such as image and personal development, nutrition, financial literacy and stability, and spiritual empowerment. Program activities include: - Certificates of completion and other awards - Free meals for participants - Mother's Day family event - Post holiday tea - Professional workshops - Supervision, activities, and homework help for children of participants - Thanksgiving baskets and Christmas gifts for participants

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.

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).?

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

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

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 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 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

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).?