Family Credit Counseling Service
Also known as Family Credit Management Services
Family Credit Counseling Service reported $10.1 million in revenue and $8.2 million in expenses for calendar year 2025. Of every $100 it spent, $79.81 went to program services, $19.09 to management and general costs and $1.10 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 86.6% of the total. The highest compensation it reported for one person was $499,803 (Director & President). 7 people received more than $100,000 in reportable compensation. Revenue rose 51% between 2019 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $8.2MFor 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 $10MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 79.8% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 19.1% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 1.1% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.12 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 7.7% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.0% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 86.6% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $499,803 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 6.12% | 1.18% |
| People paid over $100,000 Part VII, line 2 | 7 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 16.0 | 6.9 |
| Independent voting board members Part VI 1a–1b | 6 of 7 | 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 expenseCounseling Services: Family Credit Management provided individualized financial counseling and education services through telephone, online, and in-person channels. Services were designed to assist consumers in addressing financial distress, improving financial literacy, and achieving greater financial stability. Counseling services included budget analysis, spending plans, review of credit reports, evaluation of debt repayment options, housing counseling,and pre-bankruptcy counseling. Counselors worked with clients to assess income, expenses, and liabilities and develop action plans tailored…
Education Services: Family Credit Management provided financial education services through workshops, seminars, digital content, and community outreach initiatives. These services were designed to improve financial literacy and promote informed financial decision-making, particularly for individuals and families experiencing financial hardship or limited financial resources. Educational topics included budgeting, saving, credit management, responsible use of credit, debt reduction strategies, and consumer awareness. Resources were provided through in-person presentations, virtual platforms…
Debt Management Program: Family Credit Management administered debt management plans for consumers seeking structured repayment assistance with unsecured debts. Under these plans, Family Credit worked with participating creditors to facilitate repayment through consolidated monthly payments, which may include reduced interest rates or fees when available. Participants also received ongoing counseling, budget reviews, and financial education designed to support sustainable financial habits and long-term financial stability
Highest 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 |
|---|---|---|---|---|
| Director & President Director/trustee, officer, 60.00 hrs/week | $447,812 | $0 | $51,991 | $499,803 |
| Senior Vice President Officer, 50.00 hrs/week | $198,321 | $0 | $9,004 | $207,325 |
| Chief Financial Officer Officer, 50.00 hrs/week | $166,099 | $0 | $41,006 | $207,105 |
| Assistant Vice-Pres Highest compensated employee, 50.00 hrs/week | $156,468 | $0 | $25,968 | $182,436 |
| Information Tech Mgr Highest compensated employee, 50.00 hrs/week | $138,409 | $0 | $33,107 | $171,516 |
| Assistant Vice-Pres Highest compensated employee, 50.00 hrs/week | $150,805 | $0 | $16,908 | $167,713 |
| Counseling Dept Mgr Highest compensated employee, 50.00 hrs/week | $103,037 | $0 | $11,141 | $114,178 |
7 people received more than $100,000 in reportable compensation from Family Credit Counseling Service (Part VII, line 2). Compensation of current officers, directors and key employees totaled $913K (Part IX, line 5).
7 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–1b7 · 6 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 2Yes
- 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 550
- Volunteers Part I, line 66
Correct a figure or respond
Every number above is copied from Family Credit Counseling Service's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Family Credit Counseling Service, you can publish a response that is linked from this page.
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Of every $100 Family Credit Counseling Service spent in 2025, $79.81 went to programs. The full breakdown, from its IRS Form 990:
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All human services charities · Largest charities in Illinois
Questions people ask
How much of Family Credit Counseling Service's spending goes to programs?
In calendar year 2025, Family Credit Counseling Service reported that 79.8% of its $8.2 million in expenses went to program services, 19.1% to management and general and 1.1% to fundraising (Form 990, Part IX).
How much does Family Credit Counseling Service pay its top executive?
The largest total compensation Family Credit Counseling Service reported for one person in calendar year 2025 was $499,803, for the role of Director & President (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Family Credit Counseling Service get its money?
Of $10.1 million in revenue in calendar year 2025, 7.7% came from contributions and grants and 86.6% from program service revenue (Form 990, Part VIII).
Is Family Credit Counseling Service a registered charity?
The IRS lists EIN 36-4060853 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 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 202631729349300003 · read the filing · XML
- 2024: Form 990 for calendar year 2024, object 202501279349302300 · read the filing
- 2023: Form 990 for calendar year 2023, object 202401279349303190 · read the filing
- 2022: Form 990 for calendar year 2022, object 202321349349300772 · read the filing
- 2021: Form 990 for calendar year 2021, object 202221349349302112 · read the filing
- 2020: Form 990 for calendar year 2020, object 202101349349304425 · read the filing
- 2019: Form 990 for calendar year 2019, object 202031329349302568 · read the filing
All filings for EIN 36-4060853: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.