Aspire financial counseling

Aspire Financial Counseling


You matter, and we can help.

Our mission is to build relationships and cultivate your financial wellness, empowering you to focus on what matters. If you’re struggling with financial hardships, you’re not alone. We’re here for you. With Kalsee’s confidential Aspire Financial Counseling program, we’ll help you gain control of your finances through budgeting and credit education, debt consolidation, loan modifications, and more.

If you struggle with any of these situations, we can help:

  • Cash advance loans or payday lending
  • Bad or no credit
  • Negative account balances and overdraft fees
  • Medical debt
  • Delinquent loans
  • Loss of income
  • Wage garnishments
  • Student loan debt
  • Or whatever your unique financial situation may be
You have the power to manage your way out of financial difficulties with a personalized, workable plan that fits your unique needs and that we’ll create together. We’ll be with you every step of the way. Please contact us today.




“[After a difficult divorce] I was left with the responsibility of parenting three young kids by myself and working full time. My finances were in shambles. There were times that I would come home and not know whether or not there would be electricity or water. [To deal with payment of bills] seemed to take more than I had at the end of the day. I was skeptical whether or not [Melissa] would be able to help and very hesitant to trust anyone [with my financial troubles]. There was no judgment, and she [helped me tackle] each bill head on one at a time. Melissa and the staff at Kalsee have assisted me in rebuilding my credit and self-confidence. My credit score is improving steadily. What I had previously thought was an insurmountable task has now become a reality. Melissa has believed in me when I didn’t believe in myself. THANK YOU is not even close to being enough!”



Melissa Mulllins profile pictureMelissa Mullins

State Licensed Credit Counselor

Doing what she loves since 1986, Melissa’s true passion lies in making a difference in people’s lives and helping them achieve financial success and happiness. With an undergraduate degree from MSU in Family Financial Advising, a Master's from WMU in Finance, and a state credit counselor certification, Melissa is a unique resource for Kalsee members. Melissa volunteers with the Michigan Credit Union League's Southwest Chapter of Credit Unions as Education Director and a Financial Educator, and the Vicksburg Boosters. By building relationships with Kalsee members and cultivating their financial wellness, she aspires to be the change that she wishes to see in the world.

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Aspire financial counseling

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