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

Family Services: - Bimaadiziwin Mikana (The Path of Life): Parent mentor program designed around healing and connecting families with community and elders. While focusing on traditional cultural lifeways, resiliency, and strengths, positive Indian parenting values are incorporated into the program. - Ombi'Ayaa Anishinabe Ininiiwug (Rise Up Original Men): Provides a place for American Indian men who want to practice spiritual, cultural, and intergenerational engagement. Activities include: Cultural events, including sugar bush and ricing Men's softball and basketball recreational leagues Traditional ceremonies, including sweat lodge Weekly father and men's group and weekly drumming group - Thinica Owichakiyapi Thipi (Helping the Homeless Build): - For individuals and families experiencing homelessness and who are not currently in housing or have not found housing: Provides resources and support for those experiencing homelessness. Services may include assisting the client with housing search assistance, tenant education, budgeting assistance, life skills training/coaching, etc. - For individuals and families experiencing homelessness or on the verge of becoming homeless that are currently in housing or have found housing: If eligible Family Homelessness Prevention and Assistance Program - FHPAP may help with rent, security deposit, utilities, and utility deposit assistance. - Note: Funding comes from a variety of sources including the Family Homeless Prevention and Assistance Program - FHPAP as well as others. Youth Services: - Waaban Ogimaawag (Tomorrow's Leaders): Provides youth with an opportunity to become engaged in traditional American Indian service learning. Also provides tutoring to American Indian youth on diverse subject areas, including test preparation, skill building, and success strategies.

Offers life skills classes such as: - Employment Strategies: Classes will provide participants an opportunity to assess their values and career preferences, create and build a resume, prepare for interviews, and network with potential employers - Life and Empowerment Coaching: Participants will work one-on-one with a certified Life Coach for a period of up to nine months assessing their life and setting goals to improve in areas they identify - Mental Health Support Groups: Groups are regularly scheduled by covering various topics and offer a safe place to be heard and create community. All are welcome to attend. - Nutrition Basics: Classes offered each month on various nutrition topics to help participants prepare healthier meal options - Personal Finances and Budgeting: Based on Dave Ramsey's Financial Peace University, the class covers budget topics to help participants have a strong starting point to begin using a budget and handle their finances better

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

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

Community education programs and classes: - Archery - Ballroom, Hawaiian, Tahitian and square dancing instruction - Basketball, softball, volleyball and football - Business consulting services - Computer classes - Cooking classes - CPR/First Aid - Day camps with drawing instruction, sculpture instruction, skateboarding, ice hockey, acting instruction and chess - Field trips - Fishing - Foreign language instruction - Golf - Gym games - Knitting instruction - Mature driver training - Painting classes - Parenting classes - Parenting skills development - Personal finance instruction - Photography instruction - Sewing instruction - Sign language instruction - Swimming lessons, aquatic exercise and lifeguard training - T'ai Chi Ch-uan, swimming, exercise classes/groups and aerobics - Woodworking instruction - Writing instruction - Youth Development/Youth Service: Programs involving high school youth in service learning opportunities in the community. Portion of funding is used to provide integration support to youth with disabilities into existing community education programs.

ICLS offers caregiver assistance to those who need intermittent or moderate supervision or physical assistance to stay in their home. Services available may include the following: - Active Cognitive Support: Caregivers provide in-person or remote check-ins to provide support, guidance and problem-solve concerns related to daily living - Activities of Daily Living: Caregivers assist with dressing, grooming, bathing, and transferring (walking) - Adaptive Support: Encourage self-sufficiency and reduce the need for assistance. ICLS caregivers work with the client to develop and practice individualized strategies that promote independence, such as using calendars, making lists, and teaching how to use assistive technology. - Community Living Engagement: Helps clients access resources, services, and activities outside the home. These services help the individual develop and maintain a support system in the community. - Household Management Assistance: Caregivers assist with meal planning and preparation, light housekeeping, laundry and budgeting/money management - Health, Safety, and Wellness: Caregivers will identify any changes in the client's health, including monitoring any existing health conditions, with referrals to case managers as needed

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 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.

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 the following financial counseling services: - Budget counseling - Credit counseling - Credit report review

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

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

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 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.

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.

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 multi-service community-based facility offering a range of support services and resources to enhance skills, employability and long-term career mobility to traditionally under-served populations. Services include: - One-to-one assistance with resume, job search and entry-level placement needs - Job placement, retention and ongoing support services for program graduates - Career development, career awareness, career change counseling, career exploration, vocational assessment - Professional development designed specifically for currently-employed workers - A computer lab that provides self-directed technology usage, as well as more formal instruction - Sector-based classroom job skill programs in partnership with major employers in healthcare and banking - Work readiness training programs for individuals with criminal histories - Employment training and benefits eligibility and review for individuals with HIV/AIDS - Access to information about GED and post-secondary educational programs - Financial literacy coaching - Homebuyer education and pre/post purchase counseling

Assistance with case management including: - Benefits - Budgeting - Education - Employment - Housing - Medication management - Psychiatry

Community education programs and classes: - Archery - Ballroom, Hawaiian, Tahitian and square dancing instruction - Basketball, softball, volleyball and football - Business consulting services - Computer classes - Cooking classes - CPR/First Aid - Day camps with drawing instruction, sculpture instruction, skateboarding, ice hockey, acting instruction and chess - Field trips - Fishing - Foreign language instruction - Golf - Gym games - Knitting instruction - Mature driver training - Painting classes - Parenting classes - Parenting skills development - Personal finance instruction - Photography instruction - Sewing instruction - Sign language instruction - Swimming lessons, aquatic exercise and lifeguard training - T'ai Chi Ch-uan, swimming, exercise classes/groups and aerobics - Woodworking instruction - Writing instruction - Youth Development/Youth Service: Programs involving high school youth in service learning opportunities in the community. Portion of funding is used to provide integration support to youth with disabilities into existing community education programs.

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 financial base

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.