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Free credit counseling agencies in Minnesota.

Credit counselors in Minnesota provide a number of free services to people who need help. Get assistance in the form of debt consolidation, budgeting, housing and foreclosure counseling as well as other general financial advice. The non-profits near you offer suggestions on steps to take for paying bills as well as reducing household debts. All of this and more is available from the non-profit organizations in Minnesota.

Some of the programs administered from the locations include those listed below. However the resident will need to call their local Minnesota credit/debt counseling office for the specifics. The types of services include, but are not limited too, debt management plans that can help individuals consolidate unsecured debts like credit card and medical bills. In addition to that, many staff members are HUD approved housing counselors as well, and can offer clients information on getting mortgage help and ways to prevent a foreclosure.

More legal support is also given. Clients can have a professional determine whether filing for bankruptcy is their best option, even though it should always be their last choice. Or sign up for mostly free education classes that can help households create and stick to a budget, or they provide other education programs around the legality of debt reduction. Or find other free budgeting apps for saving and spending

As indicated, some of the assistance programs offered by the Minnesota based not for profit credit counseling agencies near you can be free for qualified individuals. Others have minimal costs. Call the location nearest for more information and advice.

Catholic Charities of the Diocese of St. Cloud
Offers numerous forms of financial assistance, referrals, and even credit counseling services.
Address - 157 Roosevelt Road
St. Cloud, Minnesota 56301
Call 320-650-1660 for assistance on credit issues, repair, and other financial aid.

Consumer Credit Counseling Service of the Midwest, Inc. (call 800-355-2227)
While they support consumers across the middle part of the country, Minnesota families can also be helped with financial matters. They offer free budgeting classes, information on bankruptcy courts, debt reduction and more.




Evergreen Financial Counseling - 800-581-3513

Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt
1700 West Highway 36, Suite 301
Roseville, MN 55113
A national organization. They specialize in addressing unsecured debts, which will be medical as well as loans taking on from banks.

Financial Rehabilitation Incorporated
Address - 2701 University Avenue, Suite 207
Minneapolis, Minnesota 55414
A focus of the non-profit is on the underbanked and re-building credit.

FamilyMeans Consumer Credit Counseling Service (CCCS) – Multiple offices operate in the region. They are located below. They are part of the nationwide non-profit CCCS organization. Counselors can help people consolidate their debts and loans, enter them into a debt management plan, or provide advice on filing for bankruptcy. The main offices in Minneapolis and the Twin Cities to contact are here. Or read more FAQ debt consolidation.

  • 3433 N. E. Broadway St. Suite 245
    Minneapolis, Minnesota 55413
  • Address - 10560 Wayzata Blvd. Suite 11
    Minnetonka, MN 55305
  • 903 West Center Street Suite 200
    Rochester, Minnesota 55902
  • 1875 N.W. Avenue South 
    Stillwater, MN 55082





Lutheran Social Service of Minnesota
This non-profit has the most locations around the state. The offices are listed below. Call them to apply for or learn more about such services. They are involved in offering many services such as foreclosure counseling, debt consolidation, bankruptcy, and home buying and mortgage refinancing. Their menu of services is extensive.

Address - 318 West Laurel Street
Brainerd, Minnesota 56401
Dial the location at 888-577-2227

LSS Financial Counseling Service
424 W. Superior Street Suite 600
Duluth, MN 55802

Office address of this credit center is 302 Grant Avenue
Eveleth, Minnesota 55734
Call 888-577-2227 to speak to a counselor.

710 S. 2nd Street
Mankato, MN 56001

2400 Park Avenue
Minneapolis, Minnesota 55404

8800 Highway 7 Suite 401
St. Louis Park, MN 55343

Stop by 590 Park Street Suite 310 or call the number below for information.
St. Paul, MN 55103
Main phone: 888- 577-2227

481 Wabasha Street Wabasha Center
St. Paul, Minnesota 55107

965 Payne Avenue
St. Paul, MN 55130

Address - 1601 Hwy. 12 East Suite 6
Willmar, Minnesota 56201

Hennepin and Minneapolis Agencies - In addition to the organizations listed on this page, there are several other national as well as regional firms that specialize on serving consumers in the Hennepin County region. Find free credit counseling in Minneapolis.

Credit Advisors Foundation
While not based in Minnesota, they cover the region. Call 402-393-3100.
Phone based services help low income consumers. They also have a program that focuses on helping veterans that have excessive debt, and assist all clients with payday loans, bankruptcy filings, and much more.

SafeGuard Credit Counseling Services, Inc.
A nation organization that provides confidential phone consultations and services over the phone, with additional follow up as needed. 800-673-6993





The Village Family Service Center – Call for information on various budget and debt management counseling programs. This non-profit counseling agency also helps consumers deal with auto loans that are falling into arrears.

Location of center is - 460 Northside Drive #5
Alexandria, Minnesota 56308
Phone number - 800-450-4019

200 S. 6th Street
Brainerd, MN 56401

Address - 7000 57th Avenue North Suite 105
Crystal, Minnesota 55428
Tell free number is 800-450-4019

715 N. 11th Street Suite 108D
Moorhead, MN 56560

Location - 4140 Thielman Lane Suite 303
St. Cloud, Minnesota 56303
Dial the location at 800-450-4019


By Jon McNamara

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