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TO PROVIDE FREE CREDIT COUNSELING AND FINANCIAL EDUCATION TO ALL PEOPLE LIVING UNDER THE PRESSURES OF DEBT, AND TO PROVIDE CONSUMERS IN NEED WITH FREE OR LOW-COST DEBT MANAGEMENT SERVICES.
Source: IRS Form 990 (Tax Year 2024)
Source: IRS e-Filed Form 990 (from the IRS e-File system), Tax Year 2024
Total Revenue
▼$4.5M
Program Spending
95%
of total expenses go to program services
Total Contributions
$521.5K
Total Expenses
▼$4M
Total Assets
$1.9M
Total Liabilities
▼$923K
Net Assets
$985.5K
Officer Compensation
→$183.4K
Other Salaries
$1.4M
Investment Income
$0
Fundraising
▼N/A
Source: USAspending.gov
No federal awards found for this organization.
USAspending.gov tracks federal grants, cooperative agreements, and other financial assistance. Not all nonprofits receive federal funding.
Source: Federal Audit Clearinghouse (fac.gov)
No federal single audit records found for this organization.
Single audits are required for entities expending $750,000+ in federal awards annually.
Tax Year 2024 · Source: IRS e-Filed Form 990Schedule J available
Individuals serving as officers, directors, or trustees of the organization.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other |
|---|
Source: IRS Publication 78, Auto-Revocation List & e-Postcard Data
Tax-deductible contributions: Yes
Deductibility code: PC
Sources: IRS e-Filed Form 990 (XML) & ProPublica Nonprofit Explorer
Scroll →
| Year | Revenue | Contributions | Expenses | Assets | Net Assets |
|---|---|---|---|---|---|
| 2024IRS e-File | $4.5M | $521.5K | $4M | $1.9M | $985.5K |
| 2023IRS e-File | $2.5M | $337.6K | $2.6M | $1.6M | $522.7K |
| 2022 | $1.2M | $151.1K | $1.6M | $1.5M | $564.3K |
| 2021 | $1.5M |
Sources: ProPublica Nonprofit Explorer & IRS e-File Index
| Tax Year | Form Type | Source | Documents |
|---|---|---|---|
| 2024 | 990 | IRS e-File | PDF not yet published by IRSView Filing → |
| 2023 | 990 | DataIRS e-File | PDF not yet published by IRSView Filing → |
| 2022 | 990 | DataIRS e-File |
Financial data: IRS e-Filed Form 990 (Tax Year 2024)
Leadership & compensation: IRS e-Filed Form 990, Part VII (Tax Year 2024)
Organization info: IRS Business Master File
Tax-deductibility: IRS Publication 78
| Total |
|---|
| Porus Engineer | Pres, Treas, | 40 | $161.6K | $0 | $21.4K | $183K |
Porus Engineer
Pres, Treas,
$183K
Hrs/Wk
40
Compensation
$161.6K
Related Orgs
$0
Other
$21.4K
Highest compensated employees who are not officers or directors.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other | Total |
|---|---|---|---|---|---|---|
| Reginald Sternberg | Manager | 40 | $124.9K | $0 | $4,996 | $129.9K |
Reginald Sternberg
Manager
$129.9K
Hrs/Wk
40
Compensation
$124.9K
Related Orgs
$0
Other
$4,996
Members of the governing board. Board members often serve without compensation.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other | Total |
|---|---|---|---|---|---|---|
| Hardip Singh | Director | 1 | $0 | $0 | $0 | $0 |
| Jaime Wong | Director | 10 | $0 | $0 | $0 | $0 |
| Raj Barman | Director | 1 | $0 | $0 | $0 | $0 |
Hardip Singh
Director
$0
Hrs/Wk
1
Compensation
$0
Related Orgs
$0
Other
$0
Jaime Wong
Director
$0
Hrs/Wk
10
Compensation
$0
Related Orgs
$0
Other
$0
Raj Barman
Director
$0
Hrs/Wk
1
Compensation
$0
Related Orgs
$0
Other
$0
| $448.9K |
| $1.1M |
| $1.2M |
| $907.4K |
| 2020 | $1.2M | $153.8K | $1M | $713.2K | $438K |
| 2019 | $698K | $0 | $614.2K | $234.6K | $213.7K |
| 2018 | $875K | $0 | $937.6K | $168.6K | $129.9K |
| 2017 | $754.8K | $0 | $822.5K | $223.9K | $192.4K |
| 2016 | $813K | $0 | $770.9K | $297K | $260.1K |
| 2015 | $826.8K | $0 | $825.3K | $231.7K | $218K |
| 2014 | $1.2M | $0 | $1.1M | $248.7K | $216.4K |
| 2013 | $882.9K | $0 | $837K | $135.4K | $71.2K |
| 2012 | $253.4K | $0 | $238.1K | $44.9K | $25.3K |
| 2011 | $16.5K | — | $10.2K | $20K | — |
| 2021 | 990 | Data |
| 2020 | 990 | Data |
| 2019 | 990 | Data |
| 2018 | 990 | Data |
| 2017 | 990 | Data |
| 2016 | 990 | Data |
| 2015 | 990 | Data |
| 2014 | 990 | Data |
| 2013 | 990 | Data |
| 2012 | 990 | Data |
| 2011 | 990-EZ | Data |
| 2010 | 990 | — |
| 2009 | 990 | — |
| 2008 | 990 | — |
| 2007 | 990 | — |
| 2006 | 990 | — |
| 2005 | 990 | — |
| 2004 | 990 | — |
| 2003 | 990 | — |
| 2002 | 990 | — |