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Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

CCCS offers a variety of education programs and information to help you make informed financial decisions and live better. Available classes include:

• Credit When Credit Is Due: A 6 hour financial education course that covers all aspects of credit and borrowing. The course teaches people how to better manage their money and steps to take to improve their credit score. Graduates of the course receive information to send to the credit bureaus to add a positive statement on their credit reports.
• Make Your Move: An educational program for anyone looking to purchase a home or refinance a home. Make Your Move takes a complicated subject and makes it simple. This course meets HUD guidelines. You will learn all about the home buying process.

The Ins and Outs of Renting: A 2 hour rental education course for anyone already renting or looking to rent. Learn the rights and responsibilities of being a renter, what questions you should ask before renting, and tips to get the right rental for you. Classes for groups can be scheduled by phone and taught at location. No charge for this service.

Provides the following services to all potential and existing Native American owned businesses in South Dakota: business training/coaching - to help clients enhance business skills and become business owners, financial empowerment coaching - to help clients improve financial skills and become better stewards of money, and lending - up to $400,000.00 for businesses, including agriculture.

Pathway of Hope guides families with children 18 years and younger through crisis and instability to a place of security. Offers strengths-based casework, providing services such as: financial counseling and planning, goal setting with action steps, job training, referrals and employment assistance, assistance with securing housing and child care, and emotional and spiritual support. Pathway of Hope works with people where they are, offering practical guidance to help families overcome obstacles one step at a time.

Beresford Faith in Action serves individuals and families in need with Food Pantry, Crisis Fund (1 time / year) depending on availability of funds - Rent (can include rent or deposit); Utility assistance including: deposit, past due bill, and disconnect notices for trash, water, lights, and heating; and help with budgeting/financial planning. Backpack School program - weekend food for Beresford School students. Faith in Action also networks clients with other organizations/ resources that may help them with their situation.

Helpline for student loan borrowers who have a private loan from a bank or credit union. This helpline discusses options for payment reductions and catching up missed loan payments. Options include settling previous debts and issuing a new loan with low interest rate.

A state compliant and authorized agency to contact creditors for those struggling with credit card debt. This program may be able to arrange for reductions in interest rates, waive late fees, back interest, and in some cases reduce principal balances. Clients may choose to enroll in a debt management program and make one payment per month which is disbursed to creditors. Program typically saves clients hundreds of dollars a month.

Free bankruptcy helpline for debtors who cannot get relief from other solutions. Real attorneys assist callers, at no charge, to gain solid advice and assess whether bankruptcy is a viable option for the situation. Separate debt relief helpline for those exploring debt relief without bankruptcy is 800-453-1738.

Provides worship services.

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

This class will show how to get rid of debt, manage money, spend, and save wisely.

Provides lower debt payments and many creditors reduce interest rates and eliminate late fees. Through the Debt Management Program, make one payment which is then disbursed to all creditors on the program.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

A free, relationship enrichment program open to the public. It serves individuals, couples, and families. The goal of the program is for participating adults to develop the skills they need to experience healthy relationships and improve their path toward financial wellness and employability. ​Relationship education and family support topics include: communication skill, controlling emotions, conflict resolution, making wise choices, setting life goals, mentorship, stress management, advocacy, and parenting strategies. ​Financial wellness/employability services include: financial literacy, job search assistance, money management, joint budgeting, interview practice, resume coaching, and job skills and interest assessments.

GROW South Dakota is a HUD approved Housing Counseling agency and Housing Education Resource Organization (HERO) offering individual and online education for home ownership. Also offers one on one pre-purchase, rental counseling, and financial management for homeowners.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

A bonded, non-profit credit counseling agency offering debt management programs, financial counseling, bankruptcy counseling, and housing counseling.

Provides a variety of consumer, home and small business loans specifically designed for individuals and families who do not have access to mainstream financial services. Provides one-on-one credit coaching services to clients that are in need of credit repair and debt consolidation.

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

Coordinating community members needs with available assistance from local churches. Programs include food pantries, diapers, personal care items, and life skills classes. Some services require participation in programming.

Financial assistance is provided to households who are willing to go through financial education and learn to be accountable for their spending and saving. Services include supportive housing for adults, rapid re-housing for families, homeless prevention for families, rental assistance, utility assistance, financial advising and education, food box program, clothing closet for adult and children, representative payee services for individuals on SSI/SSDI, and street outreach.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

Individual, couples, marriage, family, group counseling, and workshops focusing on areas such as co-dependency, trauma, depression, anxiety, sexual abuse trauma, mild traumatic brain injury, relationship issues, boundaries, and financial therapy/coaching. Corporate and business consulting for team building, time management, strategic planning, trainings and more. For more information visit livingtrueinc.com.