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Consumer Credit Counseling Service of Maryland and Delaware Inc at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Consumer Credit Counseling Service of Maryland and Delaware Inc

To improve the financial lives of the individuals and communities we serve.credit counseling service of md & de, inc.

$1.0M
Granted FY2023
10
Grants FY2023
8
States reached
$490k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2019 to 2023.

Housing & Shelter$3.1M
02FY2023 · 10 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2023

  • Under $10k2 grants · $12k
  • $10k–50k4 grants · $63k
  • $50k–250k3 grants · $535k
  • $250k+1 grant · $490k
$27,484
Median grant
8
States reached
$0
Total assets
Largest grants
RecipientAmount
MONEY MANAGEMENT INTERNATIONAL INC$490,295
CONSUMER EDUCATION SERVICES INC CESI$245,434
CONSUMER DEBT COUNSELORS$193,920
TAKECHARGE$95,950
PARACHUTE CREDIT COUNSELING$27,484
FAMILYMEANS$13,000
CCCS OF BUFFALO$12,342
RESERVOIR HILL IMPROVEMENT COUNCIL$10,234
SERVICES OF HOPE$9,819
CLARIFI$1,950
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY19–23, $3.0M) land where the poverty rate runs at 10%, against an area that typically sits at 11%. 44% of those dollars go to grantees based in above-average-need neighborhoods. Its grants spread fairly evenly across need levels.

area typical 11%TAKECHARGE: $238k → 11%FAMILYMEANS: $13k → 6%CLARIFI: $30k → 22%CCCS OF BUFFALO: $62k → 13%MONEY MANAGEMENT INTERNATIONAL INC: $490k → 8%CONSUMER DEBT COUNSELORS: $295k → 13%CESI: $583k → 8%TAKECHARGE: $96k → 11%CLARIFI: $2k → 22%CCCS OF BUFFALO: $55k → 13%MONEY MANAGEMENT INTERNATIONAL: $282k → 8%CONSUMER DEBT COUNSELORS: $194k → 13%CONSUMER EDUCATION SERVICES INC CESI: $245k → 8%TAKECHARGE: $26k → 11%PARACHUTE CREDIT COUNSELING: $27k → 13%CONSUMER DEBT COUNSELORS: $160k → 13%CESI: $34k → 8%CCCS OF BUFFALO: $15k → 13%CONSUMER DEBT COUNSELORS: $126k → 13%CESI: $18k → 8%CCCS OF BUFFALO: $12k → 13%CESI: $14k → 8%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.

Which US states its grants reach

MN
NY
PA
MD
AZ
KS
NC
DC
TX
FL
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

98%of every dollar goes to organizations it has funded before.
$3.1M · 9 repeat orgs$48k to everyone else

Grantees it renews have grown median revenue +12% since the first grant, against +0% for those funded once.

9 repeat relationships: 8 still active in FY2023, 1 since wound down; 1 grantees were first funded in FY2023 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

9
1

Total granted

$3.1M
$35k

Median revenue growth · since first grant

+12%
+0%

Still filing today

100%
100%

New vs renewed · share of each year

In FY2023, 99% of grant dollars renewed an existing relationship; $13k went to new ones.

50%100%’19’20’21’22’23
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’19’20’21’22’23
Human ServicesYouth DevelopmentOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • CD
    CONSUMER DEBT COUNSELORS INC
    4× · 2020–2023 · $775k · revenue +12%
  • MM
    MONEY MANAGEMENT INTERNATIONAL INC
    2× · 2022–2023 · $772k · revenue +46%
  • TC
    TAKE CHARGE AMERICA INC
    3× · 2019–2023 · $359k · revenue +8%

Funded once

  • NR
    NEIGHBORHOOD REINVESTMENT CORPORATION
    one grant, 2021 · $35k · revenue +0%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Advantage Credit Counseling Service Inc

As a nonprofit organization, the agency provides meaningful, professional and confidential consumer education and budget/credit counseling and develops effective debt reduction programs for all segments of the community. the agency…

Human Services
2
Consumer Credit Counseling Service of Southern Oregon Inc

To recognize and address the financial challenges of our clients and our community. through professional counseling and education, we endeavor to promote financial stability.

Human Services
3
Family Credit Counseling Service

Family Credit Counseling Service,Inc. DBA Family Credit Management exists to improve the financial well-being of individuals and families through financial education, counseling, and debt repayment assistance, with a focus on consumers…

Human Services
4
Springboard Nonprofit Consumer Credit Management Inc

The specific purpose of the corporation shall be to educate consumers on various options available to address their credit and debt issues, empower consumers to achieve long-term financial self-sufficiency, promote financial literacy,…

Human Services
5
Center for Consumer Recovery Inc

Center for Consumer Recovery, Inc. is committed to helping people resolve delinquent debt problems, reduce their financial stress and improve family stability. Stable families will foster better health outcomes and educational achievement…

Human Services
6
Consumer Credit Counseling Service of Rochester Inc

A nonprofit organization focused on the financial wellness of families and individuals. Our certified professionals provide confidential counseling, educational services, and other credit solutions that enable our clients to take control…

Human Services
7
Credit Card Management Services Inc

To educate, advise and empower youth to seniors to handle debt, credit & housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who…

Human Services
8
Credit Counseling of Arkansas Inc

To improve the quality of life of individuals and families through financial education, credit and housing counseling, and money management services.

Human Services
9
Credit Coalition Inc

The credit coalition's purpose is to empower its clients through financial and homebuyer counseling and education, to be able to make informed, reasonable and responsible decisions in regard to their financial and specific housing goals.

Human Services
10
Debt Management Credit Counseling Corp

Our mission is to provide consumers education and budget counseling to improve their financial literacy and assist them in the management of their personal finances. we are committed to providing credit counseling through educational…

Human Services
11
Alliance Credit Counseling Inc

Charitable assistence for the poor and distressed and financial education for the public.

—
12
Cambridge Credit Counseling Corp

The organization specializes in providing education and counseling services to individuals and groups who are concerned about their financial situation. If appropriate, the organization also helps individuals establish affordable and…

Human Services
How this is measured
The grantee most central to the portfolio’s shape is Consumer Education Services Inc; the most unlike its peers is Service of Hope Entities Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

11 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
2
Early backer (in before they grew)
11/11
Grantees still filing
8/11
Grew since first funded

Where the money sits, by cause and then by grantee

CONSUMER EDUCATION SERVICES INC: $894,472 · Human ServicesCONSUMER EDUCATION SERVICES INCCONSUMER DEBT COUNSELORS INC: $774,513 · Human ServicesCONSUMER DEBT COUNSELORS INCMONEY MANAGEMENT INTERNATIONAL INC: $772,070 · Human ServicesMONEY MANAGEMENT INTERNATIONAL INCTAKE CHARGE AMERICA INC: $359,423 · Human ServicesTAKE CHARGE AMERICA INCPARACHUTE CREDIT COUNSELING INC: $172,144 · Human ServicesPARACHUTE CREDIT COUNSELING INC+2 more: $45,240 · Human ServicesRESERVOIR HILL IMPROVEMENT COUNCIL INC: $34,924 · OtherNEIGHBORHOOD REINVESTMENT CORPORATION: $34,680 · OtherConsumer Credit Counseling Service Inc: $22,958 · OtherSERVICE OF HOPE ENTITIES INC: $27,254 · Youth Development
Human Services$3,017,862Other$92,562Youth Development$27,254

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetCONSUMER EDUCATION SERVICES INC: $894,472 over 5y, 7.7% of budgetCONSUMER DEBT COUNSELORS INC: $774,513 over 4y, 21% of budgetMONEY MANAGEMENT INTERNATIONAL INC: $772,070 over 2y, 1.5% of budgetTAKE CHARGE AMERICA INC: $359,423 over 3y, 3.3% of budgetPARACHUTE CREDIT COUNSELING INC: $172,144 over 4y, 3.7% of budgetRESERVOIR HILL IMPROVEMENT COUNCIL INC: $34,924 over 2y, 20% of budgetNEIGHBORHOOD REINVESTMENT CORPORATION: $34,680 over 1y, 0.0% of budgetCONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY: $32,240 over 2y, 0.6% of budgetSERVICE OF HOPE ENTITIES INC: $27,254 over 2y, 1.0% of budgetConsumer Credit Counseling Service Inc: $22,958 over 2y, 3.3% of budgetFAMILYMEANS: $13,000 over 1y, 0.3% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

National Foundation f…Consumer Credit Couns…The Bank of America C…American Online Givin…Amazonsmile Foundation
National Foundation for Credit Counseling IncDC22.1× affinity8 shared granteesties to 4 of 4Hover any node to trace its alignments.Compare side by side →

Open a dossier: National Foundation for Credit Counseling Inc · Consumer Credit Counseling Service of San Francisco Dba Balance · The Bank of America Charitable Foundation Inc · American Online Giving Foundation Inc · Amazonsmile Foundation

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Consumer Credit Counseling Service of Maryland and Delaware Inc funds: left to right is the share of its income from government, bottom to top the share from Consumer Credit Counseling Service of Maryland and Delaware Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%2%6%14%25%funder's share of their income ↑0%19%38%56%75%share of the org’s income from government →median 68%
  • Reservoir Hill Improvement Council Inc: 68% of income from government
no gov moneyreceives it· size = income
0get no government money at all
5report government grants on their 990 we could not trace to a source (not plotted)
1rely on government for over half their income
⤢ axis zoomed · 0–75%
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.
05Through Plinth

Warm introductions · Powered by PlinthPlus

How do I get to Consumer Credit Counseling Service of Maryland and Delaware Inc?

Find your warmest path to Consumer Credit Counseling Service of Maryland and Delaware Inc through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 11 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2023, released 2023. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

Play a game based on Consumer Credit Counseling Service of Maryland and Delaware’s filings →

More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home