Budget and debt counseling

If you are facing a difficult financial situation or need basic financial counsel about a mortgage, your credit report, student loans or even the household budget, Everence offers a compassionate and thoughtful service that can help.

Woman reviewing finances

Confidential budget and debt counseling from a certified credit counselor is available to you at no cost. Everence has teamed up with LSS Financial Counseling, a service of Lutheran Social Service of Minnesota, to offer up to six free sessions.

Since 2008, LSS Financial Counseling has helped slice $1.8 million in our members' debt. LSS is one of the nation's leading consumer credit counseling agencies and has a 30-year history of providing nonprofit, certified financial counseling.

What can LSS help me with?

  • Financial issues related to losing a job
  • Money management and budgeting
  • Credit reports and improving credit scores
  • Debt repayment options
  • Student loan repayment issues
  • Preventing and resolving identity theft
  • Vehicle loan issues
  • Mortgage foreclosure and/or predatory lending
  • Home-buying readiness and mortgages

Call a credit counselor

Get free debt and budget counseling at (877) 809-0039.

Para un consejero quien habla español, llame (855) 292-0131.

Additional information

LSS also offers counseling services through mail correspondence for Amish and related faith communities. Call LSS or your local Everence office to use this method of service.

Call (800) 348-7468 or visit any of our offices to talk to an Everence representative.

Learn more about managing debt

Having trouble with loans?

Six tips to help you manage them

How to save money when all you want to do is spend it

It doesn't take a lot

Tips to stop overspending

Reduce your household spending and reach your goals

Struggling to make ends meet?

Take control, build some financial stability

How one couple took control of their debt

An LSS Counselor helped them reduce a large credit card balance