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 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.

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

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.

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

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

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 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

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 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 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 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

Free financial literacy classes. Topics include: - Budgeting to create savings - Building a good credit rating - Consumer protection - Debt reduction and asset building

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

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

- 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

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 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.

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.

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.

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).

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.