A Letter About Your Student Loans And Credit Cards From Your Financial Counselor

Dear Friend- I am worried about your financial wellness.  You tell me you have student loan debt, credit card debt and not much money saved for retirement. Have you been able to log onto StudentLoans.gov to look at repayment, forgiveness and deferment options for your federal student loans?  Have you talked with your servicer(s)?  If…
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Take Advantage Of Homebuyer Assistance Program

As a HUD-approved housing counseling provider, LSS Financial Counseling sessions fulfill requirements for a homebuyer assistance program. LSS is not funding the program, but we will help you navigate the opportunities available, including the HOM Down Payment and Closing Cost Assistance. HOM Down Payment and Closing Cost Assistance Homeownership Opportunity Minneapolis (HOM) Down Payment and…
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Building Great Credit

Do you hope to purchase a home, apply for a loan, or upgrade your current vehicle? Having a strong credit record will help you achieve these goals with better rates than with low credit scores. Like building a home, a stellar credit score doesn’t happen immediately. It takes persistence, mindfulness, and a strong upbeat mental…
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Don’t Be Haunted By Financial Ghosts Of The Past

Just because you made a financial mistake in the past doesn’t mean you have to pay for it forever. That is of course as long as you’ve taken care of the issue and made sure that it’s showing up in your credit history correctly. By being proactive, you can ensure that those financial ghosts of…
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Making Late Payments: More Than Just A Late Fee

Have you ever missed a bill payment or made late payments? Most people have at some point, whether it was accidental or on purpose because it wasn’t affordable by the due date. While there’s a bigger issue if you’re constantly making late payments, there is more to be worried about than just a late fee.…
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