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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.

Offers a money management program to assist individuals and families in managing their finances. Services include: - Assessments ?- Budget skills training ?- Debt readjustment services

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 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

- Confidential right to life counseling on pregnancy options - Pregnancy testing - Maternity/baby clothes, furniture, and items (Accepts donations that are clean and in good condition) - LIFE Classes (Lessons In Family Education) Parenting: Classes to help moms and dads learn prenatal & parenting skills, baby and toddler development - Men's Mentoring: Individual classes with a male mentor with topics covering budgeting, rights and responsibilities, parenting, and relationships - Abstinence presentations presented in schools and churches to help teens understand the value of choosing abstinence, how to resist peer pressure, how to say no, and physical and emotional consequences of premarital sex using illustrations and skits - PACE (Post Abortion Counseling and Education) support group - Presentations in schools on Fetal Development, Adoption, and Parenting - Limited ultrasound services

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 person-centered support services to individuals living with a disability or mental health condition. Services provided: - Case management to assess gaps in services to develop a goal plan to resolve the individual's housing crisis and prevent them from becoming homeless - Develop life skills including self-sufficiency planning, establish independence, and housing skills - Help individuals secure and maintain stable housing. Services include house searching, application assistance, budgeting, landlord communication, and ongoing stability planning. - Meeting with staff for information about housing resources for rapid re-housing, transitional housing, permanent supportive housing, and eligibility. Provides referrals and resources to programs as needed.

- Provides assessments - Case Management - Adult Foster home licensing, Day Care licensing - Money Management - Pre-petition screenings

Representative payee services help with: - Daily money management - Encourage savings - Establishing a financial base A veteran administration fiduciary service helps with: - Creating a budget - Establishing financial goals and a financial base

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.

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 include, but are not limited to: ?- Assistance with resumes, job applications, and interview preparations ?- Budgeting assistance ?- Career counseling and exploration ?- Employment and job search workshops ??- Goal setting ?- Introduction to listings of regional job openings ?- Job placement assistance ??- On-the-job training opportunities ?- Paid work experience programs with local employers ?- Post-high school education assistance - Referrals to other service agencies that may be of assistance ?- Skill training in reading, math, job, and life skills ?- Supportive services such as transportation, childcare, housing, etc. may be available if eligible for one of the programs. ?- Tests and assessments to find interest levels and skills

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.

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. Offers the following services: - Class A Commercial 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. - 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. - 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. - 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.

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.

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.

Financial Education program which offers individuals the opportunity to learn the basics of creating a budget, banking, building credit, and the importance of saving. Services include: - Financial Coach: Provides one-on-one service to help individuals create a budget, review credit reports, work on financial goal planning, and learn how to move toward financial stability and independence - Home Stretch: Partnership with MN Housing and MN Homeownership Center; an 8-hour class that walks through all of the steps of purchasing a home. Individuals will hear from realty, lending, and home insurance professionals.

Representative payee services help with: - Daily money management - Encourage savings - Establishing a financial base A veteran administration fiduciary service helps with: - Creating a budget - Establishing financial goals and a financial base

As a MN Housing Finance Agency Agent, Kootasca administrates this program in Itasca and Koochiching Counties to prevent homelesness. Households are assisted in securing safe, decent rental housing. Funds are provided to eligible applicants to keep them in stable housing Some program features are: - Tenant Education and assistance to establish good relationship with landlord in safe, affordable housing - Budget counseling - Short-term rental assistance to prevent homelessness - Advocacy services to find information and services needed, plus ongoing support - For Itasca County contact, Gail Beckman 218-999-0833

Provides the following services: - Financial assistance with rent, utilities, rent and utilities arrears, transportation, basic needs, food, application fees, time-limited housing subsidies, emergency shelter, household necessities, etc. NOTE: Financial assistance may vary and is not guaranteed for every applicant. - Information and coordination related to public benefits, veterans' benefits, housing stability, employment, and legal issues - In-House Services: Housing stability case management, rental subsidies, legal, employment, justice-involved coordination, healthcare navigation, landlord engagement, outreach, documentation specialist, financial coaching, and free voluntary representative payee services

A workshop providing information and support for: - Asset building - Budgeting - Establishing savings - Long-term financial goal setting - Money management

Provides the following services: - Financial assistance with rent, utilities, rent and utilities arrears, transportation, basic needs, food, application fees, time-limited housing subsidies, emergency shelter, household necessities, etc. NOTE: Financial assistance may vary and is not guaranteed for every applicant. - Information and coordination related to public benefits, veterans' benefits, housing stability, employment, and legal issues - In-House Services: Housing stability case management, rental subsidies, legal, employment, justice-involved coordination, healthcare navigation, landlord engagement, outreach, documentation specialist, financial coaching, and free voluntary representative payee services

Employment counselors help SNAP clients in gaining skills and abilities to obtain employment to gain self-sufficiency, including: - Adult education ?- Budgeting assistance ?- Career planning ?- Computer classes ?- Interviewing skills ?- Job search assistance ?- Post-secondary education ?- Resume development ?- Short-term training ?- Support services ?- Transportation assistance ?- Vocational interest

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