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.

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.

Provides adequate, healthy, and affordable housing according to safety living standard and to create a suitable living environment to meet the needs of elderly, families, and individuals of SWO.

Programs include:

• Homebuyers Program - Provides down payment financial assistance to enrolled Sisseton-Wahpeton Tribal members who are seeking to purchase a primary home. Contact office for application and criteria guidelines.
• Housing Authority - Provides decent, safe and sanitary housing for all Tribal members seeking to eradicate substandard housing and eliminate homelessness through provision of supportive services and financial assistance programs.
• T Yamni Program - One-Stop Homeownership Program assists Tribal members with homeownership opportunities. Partners with SWO's Housing Authority and Homebuyer program:
  • Assessment
  • Site Selection
  • Financial Credit Management
  • Homeownership Education
  • Financial Resource Options
  • Default Counseling & Foreclosure Intervention

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: 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