· Public charity
National Foundation for Credit Counseling Inc
To lead a national movement that better equips americans to manage their financial futures and, in turn, advances the economy and our nation as a whole.
What you funded, over time
Every grant clustered by its grantee’s IRS cause code (NTEE), by year — across FY2017–2024.
Where the money goes
Your grants by size, and where they go.
By grant size · FY2024
- Under $10k4 grants · $31k
- $10k–50k24 grants · $586k
- $50k–250k9 grants · $618k
- $250k+1 grant · $281k
| Recipient | Amount |
|---|---|
| MONEY MANAGEMENT INTERNATIONAL | $280,650 |
| INCHARGE DEBT SOLUTION | $110,189 |
| FAMILY SERVICE ASSOCIATION | $82,451 |
| CONSUMER CREDIT COUNSELING OF SPRINGFIELD MISSOURI INC | $71,999 |
| CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OHIO | $64,915 |
| SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC | $62,672 |
| CAMBRIDGE CREDIT COUNSELING CORP | $62,021 |
| CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY | $57,736 |
| CONSUMER CREDIT COUNSELING SERVICE OF ROCHESTER | $55,160 |
| HOUSING AND CREDIT COUNSELING INC | $50,894 |
| NORTH SEATTLE COMMUNITY COLLEGE FOUNDATION | $45,905 |
| TAKE CHARGE AMERICA | $42,776 |
| AMERICAN CONSUMER CREDIT COUNSELING | $40,326 |
| PARACHUTE CREDIT COUNSELING INC | $36,653 |
| CONSUMER CREDIT COUNSELING SERVICE OF MID-OHIO VALLEY | $33,142 |
Do your dollars go where the need is?
Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.
Your human-services grants (FY17–24, $17.9M) land where the poverty rate runs at 11%, against an area that typically sits at 10%. 56% of those dollars go to grantees based in above-average-need neighborhoods. Most of your grants land in higher-need ZIPs.
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.
Which US states your grants reach
US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.
Who you back again
Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.
59 repeat relationships — 36 still active in FY2024, 23 since wound down; 2 grantees were first funded in FY2024 (too recent to call).
How the two cohorts compare
Organizations
Total granted
Median revenue growth · since first grant
Still filing today
New vs renewed · share of each year
In FY2024, 98% of grant dollars renewed an existing relationship; $23k went to new ones.
Where new relationships form · theme of each grantee’s first grant
First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). 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
- GIGREENPATH INC8× · 2017–2024 · $1.2M · revenue +23%
- GSGARDEN STATE CONSUMER CREDIT COUNSELING INC8× · 2017–2024 · $1.2M · revenue +25%
- TCTAKE CHARGE AMERICA INC8× · 2017–2024 · $991k · revenue +23%
Funded once
- CCCONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN NEVADAone grant, 2017 · $120k
- CCCONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCEgraduatedone grant, 2017 · $74k · revenue +115%
- APACTION PATHWAYS INCone grant, 2017 · $45k · revenue +16%
Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.
The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.
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…
Credit counseling and debt management
Consolidated credit counseling services, inc.'s mission is to assist individuals and families throughout the united states in ending financial crisis, and solving money management problems through education and professional counseling.
Family Budget Services, Inc. FBSI is a 501 c 3 non-profit credit counseling organization offering counseling services for consumers who have become overextended with excessive debt.
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…
To lead a national movement that better equips americans to manage their financial futures and, in turn, advances the economy and our nation as a whole. founded in 1951, the national foundation for credit counseling (nfcc) is the oldest…
To provide family and individual counseling
Provide lending, savings, and financial services for mutual purpose, including consumer loans, real estate loans, credit cards, savings and certificate accounts, investment options, and multiple methods for member access to their financial…
Our mission is to provide compassionate direction to individuals and families in need through counseling, education and financial benefits management.
Clarity credit union values people as individuals, helping them realize their goals and achieve their dreams. we build lifelong relationships by providing financial solutions within our community.
Creating a safer, stronger community through home ownership and housing stability with support for homebuyers, distressed homeowners, renters, and abused elders.
At accord, we make it possible for people living with disabilities or mental health to achieve their personal and career goals and live life to the fullest. we are helping people live their greatest lives!
For reference, the grantee most central to the portfolio’s shape is Consumer Education Services Inc and the most unlike its peers is Parkview Services. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
For each theme you fund, this compares how the sector’s money is shifting with how your own giving is shifting.
Sector change and giving change are each shown relative to their own range, growing (right) or shrinking (left); both normalized, so inflation isn’t mistaken for growth.
Your grantees are a median of 43 years old; the field is 16. You back the established end — and your money leans older still.
The field is 22% startups (under 5 years old) — 2% of your grantees by number, and just 1% of your money.
The orgs you fund almost never close — 0.0% lost their exemption, against 13% of the field you don’t fund.
Age = years since IRS exemption (a founding proxy). “Closed” = auto-revocation for 3 years of non-filing — a floor on closure, not proof, and bigger established orgs lapse least. Association, not causation.
67 grantees tracked through their own filings, 2017–2025.
Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.
Counted here: distinct organizations you funded across 2017–2025, not grant rows in a single year — so this will not match the grant count on the cover. 67 of the 75 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.
Where your money sits — by cause, then by grantee
Each org by its size and your share of it — top-left is where you’re load-bearing
Go grantee by grantee — a decade per org, and how each moved after you funded them
A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.
- Who funds MONEY MANAGEMENT INTERNATIONAL INC ↗
- Who funds GREENPATH INC ↗
- Who funds INCHARGE DEBT SOLUTIONS ↗
- Who funds GARDEN STATE CONSUMER CREDIT COUNSELING INC ↗
- Who funds SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC ↗
- Who funds TAKE CHARGE AMERICA INC ↗
- Who funds AMERICAN CONSUMER CREDIT COUNSELING INC ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICES OF THE MIDWEST INC ↗
- Who funds NORTH SEATTLE COMMUNITY COLLEGE FOUNDATION ↗
- Who funds CONSUMER EDUCATION SERVICES INC ↗
- Who funds CREDIT ADVISORS FOUNDATION ↗
- Who funds FAMILY SERVICE ASSOCIATION OF SHEBOYGAN INC ↗
- Who funds CONSUMER DEBT COUNSELORS INC ↗
- Who funds CAMBRIDGE CREDIT COUNSELING CORP ↗
- Who funds PARACHUTE CREDIT COUNSELING INC ↗
- Who funds Housing and Credit Counseling Inc ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC ↗
- Who funds Consumer Credit Counseling Service of Rochester Inc ↗
- Who funds ADVANTAGE CREDIT COUNSELING SERVICE INC ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF NORTHERN ILLINOIS INC ↗
- Who funds RURAL DYNAMICS INC ↗
- Who funds Consumer Credit Counseling Service of Springfield ↗
- Who funds LUTHERAN SOCIAL SERVICE OF MINNESOTA ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC ↗
- Who funds FINANCIAL PATHWAYS OF THE PIEDMONT ↗
- Who funds Family Counseling Center of Mobile Inc ↗
- Who funds CREDIT COUNSELING OF ARKANSAS INC ↗
- Who funds TENFOLD ↗
- Who funds FAMILY SERVICE OF THE PIEDMONT INC ↗
- Who funds Consumer Credit Counseling Service Inc ↗
- Who funds FINANCIAL INFORMATION & SERVICE CENTER ↗
- Who funds Consumer Credit Counseling Service of Western North Carolina Inc ↗
- Who funds JCVision and Associates Inc ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICES OF PUERTO RICO INC ↗
- Who funds FAMILY FOUNDATIONS OF NORTHEAST FLORIDA INC ↗
- Who funds CONSUMER CREDIT COUNSELING OF THE MID-OHIO VALLEY ↗
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC ↗
The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.
Open a dossier: Wells Fargo Foundation · Consumer Credit Counseling Service of Maryland and Delaware Inc · Consumer Credit Counseling Service of San Francisco Dba Balance · Neighborhood Reinvestment Corporation · Behavioral Ideas Lab Inc · Carolinas Credit Union Foundation · The Cannon Foundation Inc · Otto Bremer Trust · Truist Foundation Inc · First Interstate BancSystem Foundation Inc · Dollar General Literacy Foundation · Charities Aid Foundation America
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.
Government reliance of your grantees
Every dot is one organization National Foundation for Credit Counseling Inc funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal or a single department — and drag the year to watch it move.
- Garden State Consumer Credit Counseling Inc — 10% of income from government
- Consolidated Credit Solutions Inc — 1% of income from government
- American Consumer Credit Counseling Inc — 0% of income from government
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 your grant caused the public funding. Coverage is precision-first — a floor, not 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 12–24 months.