North Carolina · Nonprofit
CONSUMER EDUCATION SERVICES INC
CONSUMER EDUCATION SERVICES INC (North Carolina) receives grants from 6 organizations whose IRS filings report $2,312,870 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC ($894,472). 4 of them have funded it in more than one year.
- Revenue FY2025
- $1.3M
- Funders on record
- 6
- Grants received
- $2.3M
- Net assets
- $23M
What Consumer Education Services Inc does
Mission
Consumer education services, inc. Empowers people to overcome their financial challenges and lead financially-healthy lives.
As stated on its FY2025 Form 990.
Programs
Credit counseling and education, and debt reduction program:this program assists clients in managing their personal finances through the provision of debt management services, credit counseling, education and training, and budget planning. Cesi offers assistance over the phone, online, and in person. Certified credit counselor's discuss various options with clients regarding financial decisions. They assess individuals' personal financial situations and assist them in developing a budget in order to improve their overall credit.
$2,650,000 spentof which $2,650,000 as grants83% of program spendingThe hud housing program offers a wide variety of housing counseling services to potential homebuyers, renters and current homeowners. These services include education through group sessions and one-on-one counseling. The areas of focus are pre-purchase education and counseling, rental counseling, foreclosure prevention counseling, and reverse mortgage counseling.cesi provided housing stability counseling program with assistance to homeowners and renters by reaching out to loan servicers, landlords, emergency rental assistance funders, and local/state housing assistance funding programs. Clients were also assisted with budgeting needs and credit review and recommendations as warranted.
$509,417 spent$558,925 earned by the program16% of program spendingCommunity education outreach- cesi supports the advancement of reverse mortgage counseling. Financial literacy education within local and state communities through a strong community outreach program. Outreach efforts include group education programs, usually in partnership with local community agencies or educational institutions. The second part of the cesi outreach effort is in the form of free individual financial counseling at the cesi center with an accredited cesi counselor. Cesi offers numerous financial educational resources, which are easily accessed by all consumers and not just cesi customers. These resources are designed to help consumers better manage their finances and to achieve the goal of becoming debt free.
$31,294 spent1% of program spending
The 3 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $3,190,711.
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 2021 to 2022, from $27M to $23M (−13%).
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: 2021 11% · 2022 11%. Grants only. Government contracts and fees sit inside program revenue.
1% of CONSUMER EDUCATION SERVICES INC’s revenue is contributions — more earned-revenue than three-quarters of its peers (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 6 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.
Board chair
Dayang Diane Chen
Chairman/ se
As listed on its FY2025 Form 990.
The chief executive listed changed between the FY2017 and FY2018 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 2 funders to 3 funders, grant income rose $63k → $673k.
From the IRS filings of CONSUMER EDUCATION SERVICES 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.
How concentrated its funding is
CONSUMER EDUCATION SERVICES INC leans on a few funders — its largest provides 39% of grant income and the top three 93%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
100% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CONSUMER EDUCATION SERVICES INC.
Largest funder’s share by year: 2017 55% · 2018 74% · 2019 74% · 2020 64% · 2021 58% · 2022 62% · 2023 45% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. 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
CONSUMER EDUCATION SERVICES INC draws 100% of its grant income from funders outside North Carolina, across 3 states in all.
In-state vs out-of-state, by year
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
CONSUMER EDUCATION SERVICES 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 CONSUMER EDUCATION SERVICES 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 North Carolina
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
86% of spending goes to programs.
Governance
Public support
60%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 4 states
Part of a family of 3 related entities
- Barrett Resources LLC · disregarded
- Carolina Community Impact Inc · exempt
- Insistute of Money Management Icmm · exempt
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER EDUCATION SERVICES 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 CONSUMER EDUCATION SERVICES INC?
- CONSUMER EDUCATION SERVICES INC (North Carolina) receives grants from 6 organizations whose IRS filings report $2,312,870 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC ($894,472). 4 of them have funded it in more than one year.
- How many funders does CONSUMER EDUCATION SERVICES INC have?
- IRS filings report 6 organizations giving $2,312,870 in grants to CONSUMER EDUCATION SERVICES INC, 4 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER EDUCATION SERVICES INC?
- CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC is the largest funder on record, with $894,472 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER EDUCATION SERVICES INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in North Carolina. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
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 6 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