Credit and Debt Counseling

360 Degrees of Financial Literacy
Adults & teens can use this site to learn how to make sound personal financial decisions for every stage of life. Financial information for specific groups of individuals, such as small business owners, members of the military & individuals in financial crisis is available. Provided by the American Society of Certificed Public Accountants.

Annual Credit Report
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Consumer Frauds & Scams
Information on how to protect yourself from being defrauded or "scammed" out of your money.

Credit Karma
Offers free credit scores in a Credit Report Card that scores key components of users actual credit reports at TransUnion LLC.
Offers a tool that simulates your credit score based on how you answer several questions.
Useful for discovering the customer service/bill paying contact information for various companies.

Money Matters
Provides information in straightforward terms about issues related to money management from credit cards to debt relief to credit repair. From the Federal Trade Commission.
Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on can help you maximize your financial decisions. Information on this portal site is collected from over 20 different federal government agencies. Some information is also available in Spanish.

Save the Dream Ohio
Official Ohio government foreclosure prevention effort.

Student Loan Borrower Assistance
This site is for people who already have student loans and want to know more about their options and rights. Links to news about current issues relating to student loans. Provided by the National Consumer Law Center.

Conversion Tables and Calculators

Conversion Calculator
Calculator provided as well as other useful links to conversion websites.

This handy website provides a number of useful tools: an inflation calculator to figure the buying power of the dollar between 1914 and the present, a mortgage payoff calculator, family budget worksheets, credit card payoff calculator, retirement savings calculator, gas savings calculator comparing two vehicles, and much more.
Convert area, power, mass, temperature, fluid, volume equivalents, and more.

World Time
World Time Server provides current local times for countries or major cities worldwide. Makes real time adjustments for Daylight Saving Time.

Currency Exchange Rates

Foreign Exchange Currency Converter
FXConverter (Foreign Exchange Currency Converter) is a multi-lingual Currency Converter with up to date exchange rates provided from leading market data contributors and is filtered for validity.

Yahoo's Currency Converter
Offers option of looking up the currency or the country.


Community Foundation of Lorain County
This part of the Community Foundation of Lorain County website gives details about applying for grants from their funds.

Foundation Center
The Foundation Center's mission is to strengthen the nonprofit sector by advancing knowledge about U.S. philanthropy. allows organizations to electronically find and apply for more than $400 billion in Federal grants. is THE single access point for over 1000 grant programs offered by all Federal grant-making agencies.

Nonprofit Information Center
The Nonprofit Information Center is located on the second floor of the West River Branch of Elyria Public Library, 1194 W. River Road, North, Elyria. The Nonprofit Information Center is a "Cooperating Collection" of the Foundation Center. for Nonprofits
Grants, loans and other assistance : official services and information from the federal government.


Internal Revenue Service - Forms and Publications Page
Forms and Publications can be downloaded.

Internal Revenue Service - Homepage
Download and print income tax forms from 1992.

Internal Revenue Service - Link to Free Online Filing
Free File is online tax preparation and electronic filing through a partnership agreement between the IRS and the Free File Alliance, LLC. In other words, you can e-file... free.

Lorain (City) - Tax Forms
Homepage of the Treasurer of the City of Lorain. The City of Lorain forms are in PDF format and viewable through Adobe Acrobat Reader Software.

Lorain County - Real Estate and Tax Information
Provided by Lorain County Auditor.

Ohio Department of Taxation - County Sales & Use Tax Rates
Provides links to lists that show the sales and use tax rates for counties in Ohio.

Ohio Department of Taxation - Homepage
Ohio Department of Taxation - Homepage

Ohio Department of Taxation - Municipal Income Tax Forms
The Ohio Department of Taxation provides a location on its Internet website from which anyone can contact the cities and villages in Ohio with a municipal income tax and obtain forms and information.

Ohio Department of Taxation - Tax Finder
The Finder provides information on local taxing jurisdictions and tax rates for all addresses in the State of Ohio.

Operation CPA
Free tax preparation for deployed military personnel from The Ohio Society of Certified Public Accountants. To qualify you must be an Ohio resident and currently deployed outside of Ohio.

Regional Income Tax Authority (RITA)
This website provides links to .pdf versions of forms and instructions needed for income tax filers who must file income tax returns with the Ohio Regional Income Tax Authority.

Small Business - Taxes
The Small Business Administration provides resources to help simplify federal and state tax filing and answer frequently asked tax questions.

State Tax Links
Provides a variety of information about tax rates, filing, etc. for U.S. states.

Real Estate, provides free rate information to consumers on more than 300 financial products, including mortgage rates and home equity loans. The website provides calculators.

Decision Aide Analytics
Decision Aide is a website that provides the means of comparing various types of loans. Provides interactive loan calculators.

Lorain County Association of Realtors
Provides information about local open houses, realtors, etc.

Ohio Association of Realtors
This website provides useful information about buying and selling homes, mortgages, real estate terms, required disclosure, other real estate links and news stories about real estate.