Financial Assessments
Meet with a credit professional to help you assess your financial needs and develop a plan to help you reach your financial goals. This service is available to anyone. There are no income qualifying guidelines.

Housing Services
Looking to purchase a home? CCCS provides Pre-purchase Housing Counseling.

Nearing retirement and looking for a way to stay in your home and access some of your equity? CCCS provides Reverse Mortgage Counseling.

Behind in your rent or mortgage? CCCS provides housing counseling to help you develop a plan to bring your mortgage current.

CCCS offers many choices and programs for Housing, for details please see Housing and Education Tabs for more inforamtion.

Bankruptcy Counseling and Education
If you are planning to file for bankruptcy you will be required to participate in counseling and complete a financial education program by an approved provider. CCCS of the Black Hills is approved to provide bankruptcy counseling and education that fulfill these requirements.

Approved to issue certificates evidencing completion of a  budget and credit counseling session and  of  a personal financial management instructional course  in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider's services.

Education and Skill Development
CCCS offers a wide variety of educational programs that will help you make informed financial decisions and live better. For more information please see the educational tab.

Family Financial Independence Program
Sometimes a small loan can make all the difference. CCC offers pre-qualifying help to those who may need loans up to $500. This program is a partnership with Black Hills Federal Credit Union. Income qualifying individuals who have the ability to repay the loan may be able to get a loan through the Black Hills Federal Credit Union.

Savings Match
This Individual Development Account Program gives a 2 to 1 savings  match for qualifying low income individuals to use towards  a home purchase, post-secondary education, or a small business.  This program is available in Rapid City only.

Debt Management Plan
This is a financial repayment program designed to help qualifying individuals gain concessions in fees and interest to help you repay your debt and avoid bankruptcy.

CCCS/BH will help you:

• develop a Financial Action Plan
• contact all your creditors
• negotiate lower monthly payments & reduced or waived finance charges
• consolidate bills into one easy monthly payment

To sign on to the Debt Management Program, there is a one-time initial set-up fee ranging up to $75. However, no one is denied service for their inability to pay. A small monthly administrative fee ranging from $0 to $50 is charged for this service.