New Jersey · Nonprofit
GARDEN STATE CONSUMER CREDIT COUNSELING INC
GARDEN STATE CONSUMER CREDIT COUNSELING INC (New Jersey) receives grants from 9 organizations whose IRS filings report $3,279,133 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,986,846). 6 of them have funded it in more than one year.
- Revenue FY2024
- $17M
- Funders on record
- 9
- Grants received
- $3.3M
- Net assets
- $2.2M
What Garden State Consumer Credit Counseling Inc does
Mission
The primary focus of Garden State Consumer Credit Counseling, Inc. ("Navicore Solutions"), a non-profit organization, is to strengthen the well-being of individuals and families through education, guidance, advocacy, and support. Our most significant activities include housing counseling, credit counseling, bankruptcy counseling, financial education, and other outreach programs. Finally, for those individuals who qualify, the company provides a debt management program.
As stated on its FY2024 Form 990.
Programs
Debt Management Program (DMP)The DMP is a consolidation and repayment plan for unsecured debt that may include concessions from creditors such as reduced interest rates and the elimination of late and over-limit fees. Offered as an alternative to bankruptcy, the program is only pursued when deemed appropriate and with the consumer's consent. The Organization provides continuous counseling, at no cost, throughout the client's enrollment in the DMP, ensuring that all financial challenges are addressed with compassion and care.
$6,045,450 spent$8,000,253 earned by the program44% of program spendingFinancial Counseling and Education:Personal Financial CounselingConsumers who seek assistance are connected with a certified counselor, who offers personalized guidance tailored to their unique financial circumstances. The counseling process includes the development of a comprehensive budget that outlines monthly expenses, debt obligations, household income, assets, and liabilities. Our counselors are trained to provide expert budgetary advice and connect clients with relevant resources to help them manage their financial situations effectively.Financial EducationThe Organization provides financial education through one-on-one counseling, workshops, and written materials. We have become a preferred provider of financial education for community members, delivering workshops on a variety of financial topics. A key aspect of our outreach is delivering these services to underserved populations, including virtual options for groups who prefer remote participation.Disaster Recovery CounselingThis service provides comprehensive counseling to individuals affected by natural disasters. The goal is to assist clients with housing needs, help them apply for applicable disaster recovery…
$5,466,081 spent$43,417 earned by the program40% of program spendingHousing CounselingAs a HUD-approved National Intermediary, the Organization offers a range of housing counseling services, including Pre-Purchase, Rental, Default/Foreclosure, HECM Default, and HECM Counseling. Our counselors conduct comprehensive budget analysis, help develop action plans, and liaise with lenders and servicers when necessary. The core focus of our housing counseling is on promoting housing stability, affordability, and advocacy.
$1,469,177 spent$1,304,980 earned by the program11% of program spendingCommunity OutreachThrough collaborations with public and nonprofit organizations, as well as our referral relationships with financial institutions, we connect with populations most in need of our services and promote positive financial management and overall well-being. Our Financial Education Program offers efficient and effective delivery of financial education outreach, in both English and Spanish, to individuals and families seeking assistance.
$751,531 spent$103,350 earned by the program5% of program spendingPre/Post-Bankruptcy Counseling and EducationApproved by the Executive Office of the US Trustees, the Organization is authorized to provide certificates for completion of pre- and post-bankruptcy counseling and financial management education courses, as required by the Bankruptcy Code.
$30,935 spent$4,500 earned by the program0% of program spending
The 5 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $13,763,174.
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 2023 to 2024, from $14M to $12M (−14%).
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 6% · 2018 9% · 2019 6% · 2020 5% · 2021 20% · 2022 19% · 2023 22% · 2024 20%. Grants only. Government contracts and fees sit inside program revenue.
42% of GARDEN STATE CONSUMER CREDIT COUNSELING INC’s revenue is contributions — more donation-reliant than the typical peer (21% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 8 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
Jill Feldman
President & CEO
As listed on its FY2024 Form 990.
Who funds it, year by year
2018 → 2023: the base broadened from 1 funder to 5 funders, grant income rose $8k → $608k.
1 of 9 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $1.2M 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 GARDEN STATE CONSUMER CREDIT COUNSELING INC raised.
From the IRS filings of GARDEN STATE CONSUMER CREDIT COUNSELING 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
GARDEN STATE CONSUMER CREDIT COUNSELING INC leans on a few funders — its largest provides 91% of grant income and the top three 96%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
97% 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 GARDEN STATE CONSUMER CREDIT COUNSELING INC.
Largest funder’s share by year: 2018 100% · 2019 100% · 2020 80% · 2021 100% · 2022 96% · 2023 92% — 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.
How long its funders stay
40% of GARDEN STATE CONSUMER CREDIT COUNSELING INC's funders are still giving 3 years after their first grant; 67% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
GARDEN STATE CONSUMER CREDIT COUNSELING INC draws 100% of its grant income from funders outside New Jersey, across 6 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $37 arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. 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
GARDEN STATE CONSUMER CREDIT COUNSELING INC runs a healthier operating margin than half of the 3,288 human services nonprofits its size.
this organization peer median middle 50% of peers· 3,288 human services nonprofits $10M–$100M, FY2024
Government funding GARDEN STATE CONSUMER CREDIT COUNSELING INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $13.0M on record — $4.8M federal, $8.3M state.
- Department of Housing and Urban Development$4.8M
- FEDERAL$7.7M
- DEDICATED$544k
- DIRECT STATE SERVICES - NON-SALARY$2k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like GARDEN STATE CONSUMER CREDIT COUNSELING 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 New Jersey
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
84% of spending goes to programs.
Governance
Public support
90%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 21 states
Part of a family of 1 related entity
- Navicore Realty Corp · exempt
Screen this organization
A dated, signed PDF of the compliance screen for GARDEN STATE CONSUMER CREDIT COUNSELING 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 GARDEN STATE CONSUMER CREDIT COUNSELING INC?
- GARDEN STATE CONSUMER CREDIT COUNSELING INC (New Jersey) receives grants from 9 organizations whose IRS filings report $3,279,133 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,986,846). 6 of them have funded it in more than one year.
- How many funders does GARDEN STATE CONSUMER CREDIT COUNSELING INC have?
- IRS filings report 9 organizations giving $3,279,133 in grants to GARDEN STATE CONSUMER CREDIT COUNSELING INC, 6 of which have funded it in more than one year.
- Who is the largest funder of GARDEN STATE CONSUMER CREDIT COUNSELING INC?
- NEIGHBORHOOD REINVESTMENT CORPORATION is the largest funder on record, with $2,986,846 in grants. The full list of funders is on this page.
- How can an organization like GARDEN STATE CONSUMER CREDIT COUNSELING INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in New Jersey. 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 Garden State Consumer Credit Counseling →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 9 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