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Public Service Loan Forgiveness: Separating Truth and Myths
Is Public Service Loan Forgiveness too good to be true or just sorely misunderstood? A mere 1% of Public Service Loan Forgiveness applications were approved in the first nine months of borrowers...
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Improving Your Credit Score: Fattening Up a Thin File
A good credit score can help you reach your financial goals, but what do you do if you have a thin credit file? First and foremost – what does it mean to be a thin file consumer? In short, a thin file...
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5 Reasons to Stick with a Debt Management Plan
Getting out of debt can be an incredible challenge. Managing multiple payments, soaring interest rates, and never ending collection calls get old incredibly fast. If a Debt Management Plan is part of...
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Changing Financial Behavior
Opportunity Costs Have you ever heard of the term Opportunity Costs? Believe it or not, it is a concept that can affect our everyday decisions about spending money: if it currently doesn’t affect...
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Integrated Career & Financial Services
Recently the Eastside Financial Center (EFC) and its full range of integrated financial counseling and employment support services have relocated to a new home at 709 University Avenue West, Saint...
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Employers Care About Your Financial Well-being: 3 Reasons You Should Too
Do you feel stressed? If you do, you are not alone. Poll after poll shows that somewhere between 75% – 80% of all American Adults are stressed. The top three stressors: money, relationships, and work...
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Mental Health and Finances
May is Mental Health Awareness Month! According to NAMI-MN, mental illnesses can affect persons of any age, race, religion or socioeconomic status: in fact, about one in four American adults...
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Tips for Breaking the Overdraft Cycle
The overdraft cycle is quite vicious and can be difficult to break. When budgeting monthly household expenses, it can be easy to overspend in various categories. Most commonly, it is easiest to...
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Homebuyer Basics Part 1: Counseling and Determining Affordability
Are you looking to buy a house and don’t know where to begin? LSS offers free homebuyer counseling! Homebuyer counseling can help prepare you no matter where you are in the home buying process....
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Homebuyer Basics Part 2: Financing and House Shopping
Now that you and your counselor have discussed how much house you could potentially afford, it may be time to try to qualify for a loan! It is often recommended to try a few different mortgage brokers...
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