Lutheran Social Service of Minnesota – LSS Financial Counseling - LSS Virginia

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families:

• Consumer credit counseling - including credit card debt counseling
• Reviewing repayment options so you can manage student loan debt
• Mortgage debt counseling
• Reverse mortgage counseling
• Collection debt counseling
• Debt management plans

Helps improve or work toward achieving financial wellness by:

• Evaluating the current financial situation
• Learning about debt management options
• Finding a path out of debt with the nonprofit debt management plan
• Consolidating payments, often with a lower interest rate to start paying off debts faster

Confidential services are available nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

04/21/2026