Lutheran social services debt management plan

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Achieve financial wellness

We are a certified nonprofit financial counseling service that has been providing free, nonjudgmental support and guidance for more than 35 years. We believe that everyone can achieve financial wellness. We offer consumer credit counseling services, budget and debt management counseling, student loan debt repayment counseling, debt management plans, housing counseling and more!

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Get Out of Debt

Develop a plan of action with our free and confidential budget and debt management counseling.

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Housing Counseling

Prepare to buy a home, learn about foreclosure prevention, or get reverse mortgage counseling.

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Student Loan Debt Counseling

Understand your student loans, your student loan repayment options, and make a plan to get back on track.