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

- 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

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

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

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

The Hastings Senior Center, based at the Tilden Community Center, is operated through a partnership between the City of Hastings and Hastings Community Education. Seniors: - 55+ Driver Improvement Program - Art classes - Bingo - Book Discussion - Dance classes - Foot care and foot reflexology - Games such as chess club - Hand massage and foot care - Live 2 B Healthy exercise program - Quilting, woven arts, and yarn classes - Pickle ball and corn hole - Scrapbooking - Support groups for grief, Dementia, and Parkinson's Disease - Tech Fridays Adults: - Adult enrichment classes - Adult health and recreation classes - Art, design, photography, and cooking classes - Business classes - Construction, trades, and woodworking instruction - Computer, information technology, and computer programming - Indoor home safety education - Lifeguard instruction - Musical instrument instruction - Self-defense classes - Smoking cessation - Trips and tours Ages K-12: - Baseball, basketball, and soccer day camps - New drivers education classes - SPARK summer classes for grades 5th- 8th - Youth development and enrichment classes

- Provides help with heating bills and related heating repairs - Energy Conservation & Education - Budget Counseling - Financial Assistance - Social Service Information & Referral

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

- Accepts donations of gently used baby items (except car seats and cribs), blankets, bouncers, diapers, wipes, baby wash, formula, high chairs, maternity clothes, swings, toys, books, stuffed animals, pacifiers, and clothing/shoes from newborn up to size 3T - Classes in breastfeeding, budgeting, childbirth, child care, food/nutrition, housing, infant care, life coaching, parenting, and more - Provides baby clothing, coats, snow suits, hats, mittens, scarves, shoes, furniture, emergency diapers, wipes, blankets, maternity clothing, Pack N Plays, and formula - Educational counseling on abortion and alternatives - Pregnancy testing - Ultrasound services - Community referrals to child care, food, education, employment, housing (including assistance in searching for housing), job assistance, physicians, and more - Peer counseling - Car seat safety seminars - Individuals may receive a new infant car seat or convertible car seat when they take two classes and the car seat safety seminar

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

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

Financial coaching is an individualized process that helps individuals take action to reach their financial goals. Money Mentors is a six month program where individuals meet one-on-one virtually, with a volunteer financial coach to develop action steps to reach financial goals. Goals may include boosting savings, controlling spending, eliminating debt, or improving credit.

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.

Volunteers provide intensive one-on-one job search assistance, resume building, and interview skills training. Also provides quarterly budgeting classes.

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.

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

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.

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

Grace Place Outreach is a mentoring program for pregnant persons and families offering support and connections to services to help families live spiritually wholesome, safe, healthy, and productive lives and thrive within the community. Services may include: access to baby clothing and maternity clothing (limited); information on nutrition and meal planning, parenting, prenatal care, budgeting, and exercise; arts and crafts instruction; help with seeking employment; and support groups. People interested in serving as mentors for clients are welcomed.

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 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 services provided to customers include: Financial counseling referrals: refers individuals for debt management Free credit reports: get a free copy of a credit report and expert help managing debt and building credit. Savings accounts: assistance in opening a savings account with no monthly fees and no minimum balance requirements. No credit checks or bank history review needed. Prepaid debit cards: no fees (enrollment, monthly, usage). Free direct deposit for tax refund, paycheck, or benefits.

Community Living Specialists meet with clients one-on-one in their homes to provide the training and support they need to live as independently as possible. This service can be customized to meet individual needs and may include: - Employment search and job skills training - Finance/budget management - Housing search - Independent living skills - Meal preparation - Needs assessment and planning - Regular telephone check ins - Socialization training

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