Garden State Consumer Credit Counseling
Garden State Consumer Credit Counseling reported $16.8 million in revenue and $16.4 million in expenses for calendar year 2024. Of every $100 it spent, $83.68 went to program services, $15.10 to management and general costs and $1.22 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 56.3% of the total. Government grants made up 19.8%. The highest compensation it reported for one person was $406,681 (President & CEO). 9 people received more than $100,000 in reportable compensation. Revenue rose 45% between 2019 and 2024. Source: Form 990, 2024.
Where $100 of spending went
Calendar year 2024 · Form 990, Part IX, line 25 · total expenses $16MFor 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 2024 · Form 990, Part VIII · total revenue $17MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2024 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 83.7% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 15.1% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 1.2% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.03 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 42.3% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 19.8% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 56.3% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $406,681 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 2.47% | 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 | 1.6 | 6.9 |
| Independent voting board members Part VI 1a–1b | 8 of 8 | 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
2024 · Form 990, Part III · the three largest programs by expenseDebt 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
Financial 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…
Housing 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
Highest reported compensation
2024 · 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 & CEO Officer, 70.00 hrs/week | $361,823 | $0 | $44,858 | $406,681 |
| CFO Officer, 70.00 hrs/week | $317,914 | $0 | $2,060 | $319,974 |
| COO Officer, 70.00 hrs/week | $313,431 | $0 | $4,498 | $317,929 |
| vp-customer exp Listed in Part VII, 50.00 hrs/week | $223,978 | $0 | $46,980 | $270,958 |
| Executive Dir. Listed in Part VII, 0.00 hrs/week | $231,333 | $0 | $0 | $231,333 |
| Sr Software Engine Listed in Part VII, 50.00 hrs/week | $162,318 | $0 | $19,687 | $182,005 |
| Dr of Industry Rel Listed in Part VII, 50.00 hrs/week | $108,391 | $0 | $38,758 | $147,149 |
| Sr.Business Sys An Listed in Part VII, 50.00 hrs/week | $123,203 | $0 | $15,645 | $138,848 |
9 people received more than $100,000 in reportable compensation from Garden State Consumer Credit Counseling (Part VII, line 2). Compensation of current officers, directors and key employees totaled $1.3M (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
2024 · 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–1b8 · 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 11aYes
- 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 5203
- Volunteers Part I, line 68
Largest outside contractors
2024 · Form 990, Part VII, Section B · businesses only| FIT SOLUTIONS It managed ser provider | $412,348 |
Individuals listed as contractors are left out. 1 contractors were paid more than $100,000 in all.
Private foundation grants it received
2 private foundations reported grants to Garden State Consumer Credit Counseling totaling $30,016 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 Garden State 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 Garden State Consumer Credit Counseling, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Garden State Consumer Credit Counseling spent in 2024, $83.68 went to programs. The full breakdown, from its IRS Form 990:
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All human services charities · Largest charities in New Jersey
Questions people ask
How much of Garden State Consumer Credit Counseling's spending goes to programs?
In calendar year 2024, Garden State Consumer Credit Counseling reported that 83.7% of its $16.4 million in expenses went to program services, 15.1% to management and general and 1.2% to fundraising (Form 990, Part IX).
How much does Garden State Consumer Credit Counseling pay its top executive?
The largest total compensation Garden State Consumer Credit Counseling reported for one person in calendar year 2024 was $406,681, for the role of President & CEO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Garden State Consumer Credit Counseling get its money?
Of $16.8 million in revenue in calendar year 2024, 42.3% came from contributions and grants (including 19.8% from government grants) and 56.3% from program service revenue (Form 990, Part VIII).
Is Garden State Consumer Credit Counseling a registered charity?
The IRS lists EIN 22-3120920 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 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2024: Form 990 for calendar year 2024, object 202512039349301811 · read the filing · XML
- 2023: Form 990 for calendar year 2023, object 202402019349300305 · read the filing
- 2022: Form 990 for calendar year 2022, object 202342409349300029 · read the filing
- 2021: Form 990 for calendar year 2021, object 202232809349300228 · read the filing
- 2020: Form 990 for calendar year 2020, object 202111899349301046 · read the filing
- 2019: Form 990 for calendar year 2019, object 202022599349302052 · read the filing
All filings for EIN 22-3120920: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.