Pennsylvania · Nonprofit
ADVANTAGE CREDIT COUNSELING SERVICE INC
ADVANTAGE CREDIT COUNSELING SERVICE INC (Pennsylvania) receives grants from 1 organization whose IRS filings report $25,000 to it, the largest being NISOURCE CHARITABLE FOUNDATION ($25,000). 0 of them have funded it in more than one year.
- Revenue FY2025
- $2.5M
- Funders on record
- 1
- Grants received
- $25k
- Net assets
- $1.6M
What Advantage Credit Counseling Service Inc does
Mission
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 educates consumers about wise money management and the responsible use of credit.
As stated on its FY2025 Form 990.
Programs
Advantage credit counseling service, inc. Provides credit-counseling and educational services to the public. Since its inception, the agency has assisted thousands of clients in developing a budget, determining options for repaying debts and when appropriate, administering a debt management program. The agency also provides financial literacy education to its clients and the public. Additionally, the agency is approved by hud and the pennsylvania housing finance agency to provide comprehensive housing counseling services. This includes counseling pennsylvania homeowners in threat of forclosure on various loss mitigation options, intervening with their mortgage lenders, and assisting with applications for the state's homeowners emergency mortgage assistance program. The agency counsels first time homebuyers on the entire home buying process and provides reverse mortgage counseling to senior homeowners.
$980,419 spent$709,879 earned by the program56% of program spendingThe agency is approved by the pennsylvania housing and finance agency and hud to conduct comprehensive housing counseling services. The agency provides counseling and education for homeowners in threat of foreclosure, as well as intervention with lenders regarding loss mitigation options such as loan modifications. The agency also assists pennsylvania homeowners with applying for state emergency loans. The agency counsels potential homebuyers who have barriers they must overcome to qualify for mortgage loans. The agency also counsels individuals who have qualified for a mortgage but are required to participate in counseling and education.
$621,403 spent36% of program spendingThe agency is approved by the executive office for the united states trustees to provide pre-filing bankruptcy counseling and pre-discharge bankruptcy education. Consumers contemplating bankruptcy must first have counseling through an approved non-profit provider as prescribed by the bankruptcy abuse prevention and consumer protection act of 2005.
$130,724 spent$50,912 earned by the program7% of program spendingThe agency provides educational and administrative support for utility companies energy assistance programs; these programs are geared to low and moderate income consumers.
$10,451 spent1% of program spending
The 4 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $1,742,997.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2017 to 2018, from $3.2M to $2.6M (−20%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 23% · 2018 29% · 2019 21% · 2020 24% · 2021 33% · 2022 44% · 2023 52% · 2024 43% · 2025 42%. Grants only. Government contracts and fees sit inside program revenue.
68% of ADVANTAGE CREDIT COUNSELING SERVICE INC’s revenue is contributions — about as donation-reliant as the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 7 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Gary J Vollmer
President & CEO
Board chair
Anne Flynn Schlicht
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
Grant support over time, funder by funder — shade shows the grant size each year.
Left out of every figure on this page: $368k from one payer (the payer shares this organization's board, largest National Foundation for Credit Counseling Inc). These are real filings, and they are not money ADVANTAGE CREDIT COUNSELING SERVICE INC raised.
From the IRS filings of ADVANTAGE CREDIT COUNSELING SERVICE INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
ADVANTAGE CREDIT COUNSELING SERVICE INC draws 100% of its grant income from funders outside Pennsylvania, across 1 state in all.
Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
ADVANTAGE CREDIT COUNSELING SERVICE INC holds deeper cash reserves than three-quarters of the 6,891 human services nonprofits its size.
this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025
Organizations like ADVANTAGE CREDIT COUNSELING SERVICE INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Pennsylvania
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
72% of spending goes to programs.
Governance
Public support
86%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 4 states
Screen this organization
A dated, signed PDF of the compliance screen for ADVANTAGE CREDIT COUNSELING SERVICE INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds ADVANTAGE CREDIT COUNSELING SERVICE INC?
- ADVANTAGE CREDIT COUNSELING SERVICE INC (Pennsylvania) receives grants from 1 organization whose IRS filings report $25,000 to it, the largest being NISOURCE CHARITABLE FOUNDATION ($25,000). 0 of them have funded it in more than one year.
- How many funders does ADVANTAGE CREDIT COUNSELING SERVICE INC have?
- IRS filings report 1 organization giving $25,000 in grants to ADVANTAGE CREDIT COUNSELING SERVICE INC.
- Who is the largest funder of ADVANTAGE CREDIT COUNSELING SERVICE INC?
- NISOURCE CHARITABLE FOUNDATION is the largest funder on record, with $25,000 in grants. The full list of funders is on this page.
- How can an organization like ADVANTAGE CREDIT COUNSELING SERVICE INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Pennsylvania. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Advantage Credit Counseling Service →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 1 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing