Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
EIN 20-3424094 • 501(c)3 • Birmingham, AL
Profile
To provide financial management education and training, including counseling on responsible use of credit, availability of credit counseling, and assist in budgetary analysis, to financially troubled individuals and families.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
41st percentile
Higher net margin than 41% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
13th percentile
Faster asset growth than 13% of similar nonprofits.
Revenue Growth
43rd percentile
Faster revenue growth than 43% of similar nonprofits.
Assets
Down$39,872
Down $96,182 (-71%) from 2023
Liabilities
Down$251,020
Down $87,839 (-26%) from 2023
Net Assets
Down-$211,148
Down $8,343 (-4.1%) from 2023
Revenue
Down$337,500
Down $26,208 (-7.2%) from 2023
Expenses
Up$344,658
Up $30,932 (+9.9%) from 2023
Net Income
Down-$7,158
Down $57,140 (-114%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
To provide financial management education and training, including counseling on responsible use of credit, availability of credit counseling, and assist in budgetary analysis, to financially troubled individuals and families.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Loans From Officers Directors | $249,964 | $166,527 | ▼ $83,437 |
| Cash and Non-Interest-Bearing Accounts | $42,595 | $20,034 | ▼ $22,561 |
| Accounts Receivable | $10,520 | $12,649 | ▲ $2,129 |
| Land, Buildings, and Equipment, Net | $258 | - | - |
| Total Assets | $136,054 | $39,872 | ▼ $96,182 |
| Other Assets Total | $82,681 | $7,189 | ▼ $75,492 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $88,895 | $84,493 | ▼ $4,402 |
| Total Liabilities | $338,859 | $251,020 | ▼ $87,839 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $-202,805 | $-211,148 | ▼ $8,343 |
| Total Net Assets Fund Balance | $-202,805 | $-211,148 | ▼ $8,343 |
| Total Liabilities and Net Assets / Fund Balance | $136,054 | $39,872 | ▼ $96,182 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | - | $100,318 | $100,318 |
| Other Assets Org | $16 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Scott Whyrick | Member,VP,se | FT | $82,726 | $82,726 |
| Richard Mauk | President | FT | $3,653 | $3,653 |
| Name | Title |
|---|---|
| David Donaldson | Member |
| David Herring | Member |
| Jackie Anderson-smith | Member |
| Lila Hackett | Member |
| The Honorable Arthur J Hanes | Member |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $199,371 |
| Other Expenses | $145,287 |
| Total Fundraising Expense | $3,357 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $43,190 | $43,189 | - | $86,379 |
| Other Salaries and Wages | $80,600 | - | - | $80,600 |
| Occupancy | $23,693 | $5,923 | - | $29,616 |
| Interest | - | $24,919 | - | $24,919 |
| Fees for Services Accounting | - | $21,919 | - | $21,919 |
| Other Employee Benefits | $9,684 | $9,684 | - | $19,368 |
| Payroll Taxes | $9,655 | $3,369 | - | $13,024 |
| All Other Expenses | $6,884 | $607 | - | $7,491 |
| Office Expenses | $3,642 | $405 | - | $4,047 |
| Information Technology | $3,297 | $366 | - | $3,663 |
| Other Expenses | $5,342 | $594 | $3,357 | $3,357 |
| Advertising | $1,768 | $589 | - | $2,357 |
| Insurance | $625 | $70 | - | $695 |
| Conferences and Meetings | $375 | $125 | - | $500 |
| Total Functional Expenses | $227,000 | $114,301 | $3,357 | $344,658 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Richard Mauk | President | Loans for Business | No | - |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $249,964 | $166,527 | ▼ $83,437 |
“The organization provides a copy of the return to each board member via email, which they can review individually. If they have any questions, they contact the president of the organization for resolution.”
“The organization monitors the policy by questionnaire.”
“The board members review comparables of other not for profit officers before determining the salary of the president.”
“The board members review comparables of other not for profit officers before determining the salary of the other officers.”
“The organization files the forms with the department of justice's executive office of the u.s. Trustees and upon request.”
“To provide financial management education and training, including counseling on responsible use of credit, availability of credit counseling, and assist in budgetary analysis, to financially troubled individuals and families.”
“Book / tax depreciation difference -258 meal and entertainment -50% -927 total -1,185”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 88895 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 84493 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 10520 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 12649 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 589 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 1768 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 2357 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 607 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 6884 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 7491 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | RICHARD MAUK |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2053212822 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3425 5TH AVENUE SOUTH |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | BIRMINGHAM |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 352222312 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | true |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 42595 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 20034 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 43189 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 43190 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 86379 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 125 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 375 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 500 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 65200 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 145287 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 272300 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -7158 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 199371 |
| IRS990/CYTotalExpensesAmt | 0 | 344658 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 3357 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 337500 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | COMPANY PERSONNEL INTERVIEW CLIENTS AND PROVIDE ANALYSIS OF THE FINANCIAL SITUATION. THEY PROVIDE AN ACTION PLAN TO ASSIST IN MEETING BUDGETED GOALS. |
| IRS990/DescribedInSection501c3Ind | 0 | true |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 227000 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 21919 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 21919 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form8282PropertyDisposedOfInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | SCOTT WHYRICK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RICHARD MAUK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JACKIE ANDERSON-SMITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DAVID DONALDSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LILA HACKETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | THE HONORABLE ARTHUR J HANES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DAVID HERRING |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 82726 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 3653 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | MEMBER,VP,SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 2005 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GovernmentGrantsAmt | 0 | 65200 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 337500 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 366 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 3297 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3663 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 70 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 625 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 695 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 24919 |
| IRS990/InterestGrp/TotalAmt | 0 | 24919 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 100318 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 258 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 100318 |
| IRS990/LegalDomicileStateCd | 0 | AL |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 249964 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 166527 |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO PROVIDE FINANCIAL MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | -202805 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | -211148 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | -202805 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | -211148 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 5923 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 23693 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 29616 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 405 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 3642 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 4047 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 82681 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 7189 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -1185 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 9684 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 9684 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 19368 |
| IRS990/OtherExpensesGrp/Desc | 0 | TELEPHONE |
| IRS990/OtherExpensesGrp/Desc | 1 | MERCHANT CREDIT CARD FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | EQUIPMENT RENTAL & MAINT |
| IRS990/OtherExpensesGrp/Desc | 3 | FUNDRAISING EXPENSE |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 3357 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 2542 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 594 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 22876 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 15369 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 5342 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 25418 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 15369 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 5936 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 3357 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 80600 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 80600 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 3369 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 9655 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 13024 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | RICHARD MAUK |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 541900 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | CREDIT COUNSELING SERVICE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 272300 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 272300 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 100000 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYOtherExpensesAmt | 0 | 131058 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 263708 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 49982 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 182668 |
| IRS990/PYTotalExpensesAmt | 0 | 313726 |
| IRS990/PYTotalRevenueAmt | 0 | 363708 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -7158 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | true |
| IRS990/ReportOtherLiabilitiesInd | 0 | false |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 337500 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 65200 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 100000 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 145101 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 310301 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 272300 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 363708 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 256885 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 246598 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 339800 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 1479291 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 1789592 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 337500 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 463708 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 256885 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 391699 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 339800 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 1789592 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 337500 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 463708 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 256885 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 391699 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 339800 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 1789592 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 100318 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 100318 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 4291 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 1100 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 1000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 782 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 16 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | DEPOSITS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | UNDEPOSITED FUNDS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | PREPAID INSURANCE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | EMPLOYEE RECEIVABLE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | PREPAID EXPENSES |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 7189 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | RICHARD MAUK |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | PRESIDENT |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | LOANS FOR BUSINESS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 88465 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 78062 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | FUNDS USED FOR BUSINESS OPERATIONS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | FUNDS USED TO START THE BUSINESS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 80069 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 150000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | RICHARD MAUK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | RICHARD MAUK |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS: (A) NAME OF PERSON: RICHARD MAUK (A) PURPOSE OF LOAN: FUNDS USED TO START THE BUSINESS; FUNDS NEEDED FOR OPERATIONS |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART V |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 166527 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO PROVIDE FINANCIAL MANAGEMENT EDUCATION AND TRAINING, INCLUDING COUNSELING ON RESPONSIBLE USE OF CREDIT, AVAILABILITY OF CREDIT COUNSELING, AND ASSIST IN BUDGETARY ANALYSIS, TO FINANCIALLY TROUBLED INDIVIDUALS AND FAMILIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION PROVIDES A COPY OF THE RETURN TO EACH BOARD MEMBER VIA EMAIL, WHICH THEY CAN REVIEW INDIVIDUALLY. IF THEY HAVE ANY QUESTIONS, THEY CONTACT THE PRESIDENT OF THE ORGANIZATION FOR RESOLUTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE ORGANIZATION MONITORS THE POLICY BY QUESTIONNAIRE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD MEMBERS REVIEW COMPARABLES OF OTHER NOT FOR PROFIT OFFICERS BEFORE DETERMINING THE SALARY OF THE PRESIDENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD MEMBERS REVIEW COMPARABLES OF OTHER NOT FOR PROFIT OFFICERS BEFORE DETERMINING THE SALARY OF THE OTHER OFFICERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE ORGANIZATION FILES THE FORMS WITH THE DEPARTMENT OF JUSTICE'S EXECUTIVE OFFICE OF THE U.S. TRUSTEES AND UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | BOOK / TAX DEPRECIATION DIFFERENCE -258 MEAL AND ENTERTAINMENT -50% -927 TOTAL -1,185 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | AL |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 136054 |
| IRS990/TotalAssetsEOYAmt | 0 | 39872 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 136054 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 39872 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 65200 |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 3357 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 114301 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 227000 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 344658 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 338859 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 251020 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 338859 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 251020 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | -202805 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | -211148 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 227000 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 272300 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 86379 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 272300 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 337500 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 136054 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 39872 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 6 |
| IRS990/VotingMembersIndependentCnt | 0 | 4 |
| IRS990/WebsiteAddressTxt | 0 | WWW.CFEFA.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | RICHARD MAUK |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2053212822 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-13 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | CONSUMER FINANCIAL EDUCATION |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | FOUNDATION OF AMERICA INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CONS |
| ReturnHeader/Filer/EIN | 0 | 203424094 |
| ReturnHeader/Filer/PhoneNum | 0 | 2053212822 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3425 5TH AVENUE SOUTH |
| ReturnHeader/Filer/USAddress/CityNm | 0 | BIRMINGHAM |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | AL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 352222312 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 630942838 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CHRISTIAN & DENABURG PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2649 ROCKY RIDGE LANE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | BIRMINGHAM |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | AL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 35216 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2059678901 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | EDMOND R DENABURG |
| ReturnHeader/ReturnTs | 0 | 2025-05-15T09:56:24-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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