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AARP VITA Tax Information

Serves Two Harbors and Silver Bay. Free, confidential tax preparation for low income and elderly individuals.

  • 218-834-4379 (Two Harbors
  • 218-226-3635 (Silver Bay)


  • (no address available)

Arrowhead Economic Opportunity Agency (AEOA)

  • Housing-Offers assistance to find and/or keep stable housing, counseling and financial support.
  • FAIM-Money match program for low income eligible persons who want to purchase a home, pursue higher education or start a small business.
  • Lives in Transition-Offers life/career planning services to eligible low-income individuals.
  • Senior Community Service Employment-Promotes part time, temporary employment to income eligible adults over the age of 55.
  • FAIM-Money match program for those who want to purchase a home, pursue higher education, or start a small business. Must meet income and employment qualifications.
  • Energy Assistance-Emergency funds may be available for monthly heating bills, along with assisting with energy related repairs. Provided October 1st to May 31st.
  • Homeownership-Provides down payment/closing cost assistance to income eligible buyers.
  • Foreclosure Prevention-Provides one-on-one counseling over the phone or in person to help those in the mortgage foreclosure process. Provides guidance to homeowners who are seeking agreements from their lender if they are moving towards foreclosure.
  • Housing Assistance-Offers counseling, financial support and assistance with finding or keeping stable housing.
  • Weatherization-Audit of home for energy efficiency. Free to low income individuals that qualify.
  • Single Family Rehabilitation-Offers many loan programs to help improve the condition of an existing home. 

  • 218-834-2280

  • Norlen Industrial Park
    2124 10th Street
    Two Harbors, MN 55616

  • (no email address available)
Community Action Duluth

  • Connect Forward-Helping individuals to advance career and finances through goal planning, personal coaching, academia and local employers. Informational sessions held Tuesdays and Wednesdays, every half hour from 5pm-6pm. Dinner and childcare are provided.  Program hours are 4:30pm-7pm on Tuesday and Wednesday evenings.
  • Bridge to Employment-Offers training, development of employment/career goals and placement assistance (in Duluth) to African American job seekers.
  • HOPE-Employment assistance for those who are low income or on MFIP and experiencing personal or systematic barriers to obtaining education or employment.  Referral must come from financial worker or employment counselor.
  • Free Tax Site-Free tax preparation and refunds for families and individuals with income up to $54,000.
  • Common Cents Class-Free financial assistance class which provides information on asset building, creating a budget, understanding credit cards, credit reports, getting out of debt, dealing with collectors, getting a mortgage, preventing identity theft. Free child care and a hot meal are provided. Class size limited – registration is required.

  • 218-726-1665

  • Suite 201
    2424 W 5th Street
    Duluth, MN 55806

Lake County Health and Human Services

  • Health Care-Medical Assistance, Medical Assistance for Employed Persons with Disabilities, Long Term Care, TEFRA, Medicare Savings Program.
  • Mental Health Services-Case Management services for children and adults.
  • Cash Assistance-Minnesota Family Investment Program, Diversionary Work Program, Minnesota Supplemental Aid, General Assistance, Housing Supports (formerly known as Group Residential Housing). Apply for Cash Assistance benefits at
  • Supplemental Nutrition Assistance Program (SNAP) (formerly known as food stamps and/or food support)-Apply for SNAP benefits at
  • Emergency Programs-Emergency Assistance and Emergency General Assistance. Apply for Emergency Assistance benefits at
  • Car Seat Installations-A certified car seat technician is available to assist you.
  • Child and Teen Check-up-Program for children on Medical Assistance and Minnesota Care. Information is available about good physical health, development and growth, hearing and vision checks and immunizations. Complete physical exams are also available at your local clinic.
  • Child Care Assistance Program (CCAP)-May be available to families who are employed, seeking employment, or are in school or training. Apply for CCAP benefits by calling our office, picking up an application or going on-line at
  • Child Protection-Workers receive reports of possible physical, emotional or sexual abuse and/or neglect and take appropriate action to provide safety for the children.
  • Child Foster Care Services-A licensed, home-like setting for children who are unable to live with their families and need placement on emergency, temporary, long-term or respite basis.
  • Children and Family Services-Voluntary services to help families stay together; provides ongoing case management with individualized plans and assistance for your family’s needs.
  • Family Based Services-Provides parent education and counseling in the family home as an alternative to an out-of-home placement or preparing for a child to return home.
  • Follow Along Program-Babies and children grow and learn at their own rate. Some children need special help to grow up healthy and learn skills such as sitting, walking, or talking. This program is to help determine if this is true for your child.
  • Newborn Home Visits-Visits to a home by a public health nurse specializing in parent and child health. A visit will include weighing your baby, assessing your baby from head to toe, and providing information on sleep habits, feeding your baby, infant cues, playing with your baby, general baby care and immunizations and community resources.
  • Women, Infants and Children (WIC)-Provides supplemental food and nutrition education to eligible pregnant or breastfeeding women and children under age 5. Please view website for more information:
  • Child Support-Assistance in locating parents, establishing parentage, establishing court orders for child support, medical support, and child care support, reviewing and modifying court orders for child support, medical support and child care support, adjusting court orders based on cost-of-living, enforcing court orders, collecting and processing payments. MN Child Support Online:

  • 218-834-8400 (Two Harbors office)
  • 218-226-4443 (Silver Bay office)
  • 800-450-8832

  • Two Harbors office:
    616 3rd Avenue
    Two Harbors, MN 55616
  • Silver Bay office:
    Silver Bay Service Center
    99 Edison Blvd.
    Silver Bay, MN 55614

LifeLine Program

Government benefit program that provides a discount on monthly telephone or wireless services for eligible low-income subscribers or those that participate in certain state programs. Also offers broadband and broadband bundles.



Lutheran Social Services


  • Bethany Runaway & Homeless Youth Program-Offers Bethany Crisis Shelter for youth 17 years and younger and provides access to therapy to explore issues. Referral by county social worker, court, or law enforcement.
  • Loft Shelter-10 bed emergency shelter for youth ages 15-19. Located at 102 W First Street, Duluth.
  • Host Homes-Program that matches young people ages 18-24 with caring and consistent adults who have a spare bedroom to offer.
  • Another Door Emergency Housing Program-Program for young adults age 18-24 experiencing homelessness, offers short term housing and support to develop a plan.
  • LSS Renaissance-Transitional housing (up to 18 months) for youth 16-21 years old.
  • Supportive Apartments-Offers low-income, long-term housing paired with supportive services for youth who are experiencing homelessness.
  • Center for Changing Lives-Located at 1422 East Superior Street, Duluth. Phone 218-529-2230. Offers many options to youth with regards to homelessness.

Health Care 

  • Teen Health Clinic-Offers free walk-in wellness services including health screenings for teens and young adults who are 13-24 years old. Located at The Center for Changing Lives Duluth, 1422 East Superior Street, Duluth.


  • Oh No Eighteen! (ONE) Independent Living Skills-Group training and individual transition planning and services for youth 16-21 that have been in care during their teen years for at least 30 days, including foster care, residential treatment programs, group homes, and other residential care services.

Children’s Services

  • Supervised Visits-Conducts supervised visits for families referred by counties and courts, as well as providing fee-based supervised visits for families who seek them independently. Flexible scheduling at various locations throughout Duluth and surrounding area. Phone 218-391-9561 for more information or see
  • Bethany Crisis Nursery-Located at 1 East 1st Street, Suite 301 (phone: 218-302-6879) or see
  • Clothing Room-Offers baby clothes (newborn to size 7 in kids), diapers/wipes, blankets, hygiene products and other baby equipment (items are donated, so selection varies) to those in need free of charge. Call ahead to schedule a same day appointment. Open Monday through Friday 8am-4pm.
  • Child Care-Temporary, emergency care for up to three days for children infancy through 12 years. Available day and night.


  • Together for Youth-An inclusive, supportive and welcoming group for LGBTQ12S youth ages 14-20. The group meets Wednesdays from 4pm-6pm at The Center for Changing Lives Duluth, 1422 East Superior Street.


  • Working with families and individuals to solve debt and financial problems. Assists in setting up a realistic budget and payment plan to fit individual needs.

  • 218-529-2222
  • 888-577-2227 (financial line)

  • Suite 600
    424 West Superior Street
    Duluth, MN 55802

Minnesota Help

A web-based means of finding information about social services including education, housing, health care, jobs and money management.



Salvation Army

Collaborates with area service agencies to provide last resort financial assistance to families and individuals in need. Financial assistance available to individuals/families ONCE every 365 days (one program per 365 days).

  • Back to School Program-Backpack and basic school supplies for families that are unable to purchase them.  Applications located at AEOA-Two Harbors and Lake County Health and Human Services.  Applications available in late July/early August.
  • Christmas Toy Distribution-Applications available mid-October through mid-November at AEOA – Two Harbors and Lake County Health and Human Services.

  • 651-746-3406