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The feelings associated with being in excessive debt can be overwhelming.

It is a feeling that is all-consuming and oftentimes alienating. We’re here to tell you that you don’t have to feel alone. Mid Minnesota Federal Credit Union works in partnership with Lutheran Social Services to provide members a financial counseling service, free of charge, to help you get back on your feet. 

LSS Financial Counseling Service provides safe, accredited service with certified financial counselors offering full-service financial counseling and financial education. With local offices throughout Minnesota, you can take comfort in a local and trusted organization. LSS counselors offer a variety of services to meet the needs of their clients, including budget and debt counseling, creation of a debt management plan and financial education. 

By taking advantage of these free services you can take back your life and begin down a road of financial control. Counselors with LSS will help you develop a budget that you can live with, as well as an action plan to address your debt, all with a non-judgmental ear in a non-threatening environment. 

The time is now. Find out, today, how LSS Financial Counseling can help you. For information or to make an appointment, visit or call (888) 577-2227. Financial success belongs to all of us; and at Mid Minnesota Federal Credit Union, we continue to strive to provide the tools our members need to achieve that goal. 

Sense and "Centsibility"

The official blog for LSS Financial Counseling 

Making good financial decisions makes both sense and cents. Have you ever thought about what ‘financial freedom’ really looks like? And an even greater question…do you ever wonder how to get there?

This is something our friends at LSS Financial Counseling are always thinking about. LSS can help you achieve your financial goals and provide tools to help you conquer your debt. LSS has put together a team of writers who are experts on credit card debt, budgeting skills, improving credit scores, foreclosure prevention, bankruptcy alternatives, student loans, and preventing financial scams.

New topics are posted regularly to inspire change and encourage action. But, of course, what makes this blog exciting is YOU – so join the conversation!

Subscribe to the blog and take the first step in conquering your debt at -

Helpful Documents

Looking for a few more resources to help you get turned right-side-up? Look no further! Here you’ll find a variety of fact sheets, tips and financial worksheets. Find everything from overcoming debt and dealing with creditors to ideas for increasing your income. You can even download worksheets at no charge! Isn’t it time you control your finances and not the other way around? 

Find Helpful Documents

Financial FAQs

Want to dig a little deeper? Good for you! Asking questions is smart! Review answers to some Frequently Asked Questions, all conveniently broken down by topic. 

Answers to FAQs