Credit and Debt Counseling

360 Degrees of Financial Literacy
Adults and teens can use this program to help understand their personal finances through every stage of life. Financial information for specific groups of individuals, such as small business owners, members of the military and individuals in financial crisis, is available. Provided by the American Institute of Certified Public Accountants.

Annual Credit Report
This site allows you to request a free annual credit report from each credit reporting company - 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 & Credit
This site from the Federal Trade Commission provides information in straightforward terms about issues related to money management, from credit cards to debt relief to credit repair.
Whether you are buying a home 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.

Student Loan Borrower Assistance
This site is for people who already have student loans and want to know more about their options and rights. It 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. for Nonprofits
Grants, loans and other assistance : official services and information from the federal government.


Lorain Metropolitan Housing Authority (LMHA) - LMHA maintains waiting lists for its housing programs according to Federal housing laws.  LMHA provides an online pre-application as an easy way to get your name on their waiting lists.  You must complete the entire application for your application to be valid.


Morningstar Investment Research Center (through the CLEVNET Research Databases page)

Morningstar Investments provides independent, in-depth research and recommendations on 11,000 stocks, 24,000 mutual funds, and 950 exchange traded funds. The format is user-friendly and includes an investment education section.  This database is available for use by patrons who have a library card issued by a CLEVNET library.  Use this link to visit the CLEVNET Research Databases page; scroll down the page and click on the Morningstar Investments link.


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.

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.

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

Real Estate provides rate information and 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.