American Consumer Credit Counseling
American Consumer Credit Counseling reported $23.6 million in revenue and $18.7 million in expenses for calendar year 2025. Of every $100 it spent, $80.41 went to program services, $19.59 to management and general costs and $0.00 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 86.0% of the total. The highest compensation it reported for one person was $427,832 (PRESIDENT &). 9 people received more than $100,000 in reportable compensation. Revenue rose 90% between 2020 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $19MFor context, the median across 3,614 covered human services charities: $88.27 programs, $11.52 management, $0.21 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2025 · Form 990, Part VIII · total revenue $24MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 80.4% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 19.6% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.0% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.00 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 10.5% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.0% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 86.0% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $427,832 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 2.29% | 1.18% |
| People paid over $100,000 Part VII, line 2 | 9 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 15.2 | 6.9 |
| Independent voting board members Part VI 1a–1b | 8 of 9 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2025 · Form 990, Part III · the three largest programs by expenseHighest reported compensation
2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| PRESIDENT & Officer, 40.00 hrs/week | $421,355 | $0 | $6,477 | $427,832 |
| VP GOVERNANC Officer, 40.00 hrs/week | $241,656 | $0 | $4,915 | $246,571 |
| EXECUTIVE VP Officer, 40.00 hrs/week | $221,276 | $0 | $5,694 | $226,970 |
| SENIOR SOFTW Highest compensated employee, 40.00 hrs/week | $180,636 | $0 | $3,643 | $184,279 |
| DIRECTOR OF Key employee, 40.00 hrs/week | $177,557 | $0 | $0 | $177,557 |
| COUNSELING M Highest compensated employee, 40.00 hrs/week | $148,651 | $0 | $2,595 | $151,246 |
| MGR HUMAN RE Highest compensated employee, 40.00 hrs/week | $144,352 | $0 | $3,035 | $147,387 |
| MGR IT Highest compensated employee, 40.00 hrs/week | $134,845 | $0 | $2,834 | $137,679 |
9 people received more than $100,000 in reportable compensation from American Consumer Credit Counseling (Part VII, line 2). Compensation of current officers, directors and key employees totaled $1.2M (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b9 · 8 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aNo
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 5186
Largest outside contractors
2025 · Form 990, Part VII, Section B · businesses only| TRANSFORMLY AI LLC Data consulting | $296,000 |
Individuals listed as contractors are left out. 1 contractors were paid more than $100,000 in all.
Private foundation grants it received
1 private foundation reported grants to American Consumer Credit Counseling totaling $5,000 on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from American Consumer Credit Counseling's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for American Consumer Credit Counseling, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 American Consumer Credit Counseling spent in 2025, $80.41 went to programs. The full breakdown, from its IRS Form 990:
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All human services charities · Largest charities in Massachusetts
Questions people ask
How much of American Consumer Credit Counseling's spending goes to programs?
In calendar year 2025, American Consumer Credit Counseling reported that 80.4% of its $18.7 million in expenses went to program services, 19.6% to management and general and 0.0% to fundraising (Form 990, Part IX).
How much does American Consumer Credit Counseling pay its top executive?
The largest total compensation American Consumer Credit Counseling reported for one person in calendar year 2025 was $427,832, for the role of PRESIDENT & (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does American Consumer Credit Counseling get its money?
Of $23.6 million in revenue in calendar year 2025, 10.5% came from contributions and grants and 86.0% from program service revenue (Form 990, Part VIII).
Is American Consumer Credit Counseling a registered charity?
The IRS lists EIN 04-3166982 as a 501(c)(3) organization (publicly supported organization (509(a)(2))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2025: Form 990 for calendar year 2025, object 202612039349300411 · read the filing · XML
- 2024: Form 990 for calendar year 2024, object 202521339349308972 · read the filing
- 2023: Form 990 for calendar year 2023, object 202441359349308284 · read the filing
- 2022: Form 990 for calendar year 2022, object 202321359349311702 · read the filing
- 2021: Form 990 for calendar year 2021, object 202212389349301706 · read the filing
- 2020: Form 990 for calendar year 2020, object 202121979349300642 · read the filing
All filings for EIN 04-3166982: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.