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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 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.

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

Individualized Home Supports with Family Training - Services for people who live in their family home that provide support and/or training in the following community living service categories: - Community participation - Health, safety, and wellness - Household management - Adaptive skills *Designed to provide training to the person as well as their family members Individualized Home Supports with Training - Services for people who live in their own home or family home that provide support and/or training in the following community living service categories: - Community participation - Health, safety, and wellness - Household management - Adaptive skills - Formal person-centered outcomes - Completion of skill assessments *Designed for adults in need of support and training in one of the above-mentioned service categories. Individualized Home Supports without Training - Services for people who live in their own home or family home that provide support in the following community living service categories: - Community participation - Health, safety, and wellness - Household management - Adaptive skills - Complimentary support plan (SP) - Informal and formal person-centered outcomes *Designed for adults or children who require support in one of the above-mentioned service categories. Specialist Services - Provision services that extend past the scope and duration of available waiver and state plan services including: - Assessments/individual program plan and program development - Training and supervision of staff - Monitoring of specific program implementation Respite - Short-term care services provided to a person when their primary caregiver is absent or needs relief. Services include: - In-home respite: Service is provided to a person in their home or the family home. - Out-of-home respite: Service is provided to a person in a licensed or unlicensed setting that is not the person's home. - Respite level A: Active, out in the community - Respite level B: Stay at home and local outings only - Respite level C: Sleep in - Respite level D: 24-hour period Homemaker Services - Services that help a person manage general cleaning and household activities. Services include: - Cleaning: light housekeeping tasks, laundry services - Home management: cleaning, transportation arrangement, meal preparation, shopping for food, and household items - Assistance with ADLs: cleaning, assistance with ADLs (ambulating, bathing, dressing, eating, grooming, toileting) *Training is not covered under this service. To receive homemaker services, homemaker cleaning must be the primary service provided. County-Funded Semi-Independent Living Services (SILS) - Services needed to maintain and improve an adult's capacity to live in the community. Supports people in ways that enable them to achieve personally desired outcomes and lead self-directed lives including: - Money management - Meal preparation - Shopping - Obtaining and maintaining a home - Self administration of medication - Formal skill building

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

Partners with the Minnesota Department of Veterans Affairs (MDVA) to support military members, veterans, and their families in maintaining their wellbeing through CORE which stands for Casework, Outreach, Referral, and Education. CORE services can foster greater peace of mind and resiliency, support the development of new skills to cope with challenges, and improve relationships. Services include: Behavioral Health Counseling - Deployment and reintegration support - Diagnostic assessment - Family counseling and support - Individual and couples counseling - Trauma-focused behavioral therapy Caregiver Support and Respite - Caregiver coaching and counseling - Caregiver respite - Caregiver support groups - Caregiver training and education - Emergency planning for caregivers - Telephone reassurance Case Management - Case managers assess each individual's situation and create a personalized plan identifying services and resources found at Lutheran Social Services or through a network of providers across Minnesota Financial Counseling - Budgeting - Credit Improvement - Debt Management - Homebuyer Education - Student Loan Counseling Homeless Initiative - Referrals to short and long term shelter options Support Groups - Men's Veterans PTSD Support Group - Women's Support Group for Family Members of Veterans

Provides financial resources to individuals and families who face barriers with stable housing, including: - Connection to behavioral health, dental, and medical care ?- Family Homeless Prevention and Assistance Program - FHPAP application assistance only for eligible individuals and families in Hennepin County seeking rent assistance. Does not provide direct financial assistance. Hennepin County is responsible for determining eligibility and distributing rent assistance funds. ?- Financial wellness classes ?- Referrals to other NorthPoint programs ?- Renters' rights education To access financial resources for rent or mortgage assistance, participants must complete 2 financial wellness classes.

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

Earn While You Learn Program: Limited assistance with baby furniture, car seats, diapers, wipes, formula, infant and maternity clothing, and other supplies to clients enrolled in the Earn While You Learn (EWYL) program. Parents can earn Baby Bucks after attending each lesson offered through BrightCourse, which can be redeemed in the Baby Boutique. BrightCourse: Available in-person or online - Abstinence and sex behavior education: Contraceptives and their side effects, natural family planning, and Sexually Transmitted Infections (STIs) - Financial budgeting and life skills education: Provides assistance and referrals for employment, financial, and housing needs - Parenting education: Also offers co-parenting - Pregnancy education: Breastfeeding, infant care, labor and delivery, prenatal care, and more Other Related Services - Advocates for mentoring for crisis pregnancy and other needs - Pro-life crisis pregnancy counseling and mentoring - Medical services: Pregnancy tests, Sexually Transmitted Infection (STI) testing and treatment, and ultrasounds ?- Mothers' support group that meets weekly over coffee NOTE: Accepts donations of new and gently used baby/children's clothing (up to size 5T), maternity clothing, and equipment that is clean and in good condition (high chairs, strollers, and toys).

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

Helps to lower or eliminate outstanding debt by working with counselors to reduce existing debt. Debt can include credit cards, collections, medical bills, payday loans, and more. Services include: - Creating a personalized debt management plan - Debt consolidation counseling - Military debt program - Payday loan relief

Financial Education - Budgeting and savings - Building and managing credit - Consumer protection - Debt reduction - Rental topics - Reverse mortgage basics - Scam and Fraud Prevention Financial Management - Assessment and budget assistance - Financial goal setting - Help with creditors Healthcare Application Assistance - Minnesota Insulin Safety Net Program - MNSure navigation Housing Counseling - Foreclosure prevention counseling - Reverse mortgage counseling

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

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

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.

- Assessment and intake - Errands and groceries - Financial and benefits consultation - Laundry - Light housekeeping - Meal prep - Medication set up and reminders - Non-medical nail care - Personal cares (i.e., hygiene, bathing, dressing) - Respite

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 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

Adult partial subsidy program Participants who demonstrate that they are work ready and who are hired into career oriented, long-term, stable employment may arrange to have the first 720 hours of their new employment subsidized. These subsidies are paid to the employer, not the employee. A special contract with the employer is required that specifies the terms of agreement for the employer and Aanjibimaadizing. Participant households must be below 200% of poverty guidelines. Adult support services Single payments to vendors to assist participants in overcoming specific, immediate and essential family stabilization or employment related barriers. Participant households must be below 200% of poverty guidelines. The expenses must: - Be directly related to education or employment ?- Verified as not otherwise provided free of charge or available from other resources ?- Be the only way available to meet the need ?- Be documented with evidence of the need verified Adult work experience (WEX) program A 720-hour on-the-job work experience training program structured to promote self-sufficiency through the development of appropriate work habits and job skills. The program targets four critical work behaviors: achievement, reliability, safety, and team building. Participant households must be below 200% of poverty guidelines. The program's incentives are directly related to mastery of these four program behaviors. The program is designed to move the participant to unsubsidized, career-oriented work by building their work skills. Career training and development program Provides basic work and family related trainings and tutoring. These include such issues as: GED preparation, driver's license tests, budgeting, parenting, CPR/first aid, food handling, communications, and conflict management. Households must be below 300% of poverty guidelines. Ge-Niigaanizijig youth program Activities and regularly scheduled meetings to inspire and motivate youth to embrace a traditions based pro-social lifestyle free of chemicals, anti-social or risky behavior, promiscuity, and dependency. Activities are offered to all eligible reservation service area youth from kindergarten through age 20. Income verification is required. Children in families living at or below 200 percent of the poverty guideline qualify. Children who are over-income may be supported by the Mille Lacs Band of Ojibwe. Cash incentives and awards are made to any Ge-Niigaanizijig youth who meet program participation and achievement goals. Youth career and work exploration program Youth, ages 16 -20 whose family's income is below 200 percent of the Federal Poverty Guideline may participate. Youth are given an incentive for actual hours worked. To be eligible youth must be in school, making satisfactory attendance and grades. The type of work and the number of hours worked per week depend on the needs of the worksite supervisor. Youth support services Youth ages three through six who live in households that are below 300 percent of the Federal Poverty Guideline and who are enrolled in daycare or school may receive supportive services for such things as: - (For Cash Assistance Families only) a fall and winter school clothing assistance - Athletic or academic program fees and supplies - Boarding school support costs including travel and supplies (based on a program recommendation/required list) - Driver's education costs - Leadership, education or cultural camp costs, including tuition, travel, and supplies (based on a program recommendation/required list) - New employment clothing and/or supplies when required by the employer - Special tutor costs (such as individual music lessons)

Offers workshops and one-on-one support to help participants explore career pathways and build job readiness skills, including: - Cover letter building - Communication skills - Financial planning - Interview skills - Interest exploration - Job searches - Resume building

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.

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.

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