Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
EIN 71-0772094 • 501(c)3 • Fayetteville, AR
Profile
To improve the quality of life of individuals and families through financial education,credit and housing counseling and debt management services.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Liabilities / Revenue
78th percentile
Higher debt load relative to revenue than 78% of similar nonprofits.
Net Margin
8th percentile
Higher net margin than 8% of similar nonprofits.
Top Officer Pay
55th percentile
Higher top officer pay than 55% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
6th percentile
Faster asset growth than 6% of similar nonprofits.
Revenue Growth
9th percentile
Faster revenue growth than 9% of similar nonprofits.
Assets
Down$339,918
Down $373,769 (-52%) from 2024
Liabilities
Down$124,648
Down $80,573 (-39%) from 2024
Net Assets
Down$215,270
Down $293,196 (-58%) from 2024
Revenue
Down$617,809
Down $417,637 (-40%) from 2024
Expenses
Down$902,498
Down $28,328 (-3.0%) from 2024
Net Income
Down-$284,689
Down $389,309 (-372%) from 2024
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
To improve the quality of life of individuals and families through financial education, credit and housing counseling, and money management services.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $370,685 | $235,801 | ▼ $134,884 |
| Savings and Temporary Cash Investments | $41,697 | $48,515 | ▲ $6,818 |
| Cash and Non-Interest-Bearing Accounts | $240,906 | $19,928 | ▼ $220,978 |
| Land, Buildings, and Equipment, Net | $27,733 | $17,745 | ▼ $9,988 |
| Accounts Receivable | $10,850 | $4,560 | ▼ $6,290 |
| Prepaid Expenses and Deferred Charges | $4,317 | $3,608 | ▼ $709 |
| Total Assets | $713,687 | $339,918 | ▼ $373,769 |
| Other Assets Total | $17,499 | $9,761 | ▼ $7,738 |
| Liabilities | |||
| Escrow Account Liability | $41,697 | $48,515 | ▲ $6,818 |
| Other Liabilities | $58,530 | $39,405 | ▼ $19,125 |
| Deferred Revenue | $81,200 | $19,000 | ▼ $62,200 |
| Accounts Payable and Accrued Expenses | $23,794 | $17,728 | ▼ $6,066 |
| Total Liabilities | $205,221 | $124,648 | ▼ $80,573 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $508,466 | $215,270 | ▼ $293,196 |
| Total Net Assets Fund Balance | $508,466 | $215,270 | ▼ $293,196 |
| Total Liabilities and Net Assets / Fund Balance | $713,687 | $339,918 | ▼ $373,769 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $10,339 | $26,355 | $36,694 |
| Leasehold Improvements | $7,406 | $15,955 | $23,361 |
| Name | Title |
|---|---|
| Blair Johanson | Chairman |
| Mike Robards | Vice-chair |
| Chad Chance | Board Member |
| Craig Shy | Board Member |
| Daniel Lewis | Board Member |
| Keley Simpson | Board Member |
| Nancy Leake | Board Member |
| Tom Jensen | Board Member |
| Mauricio Herrera | Secretary |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $666,969 |
| Other Expenses | $235,529 |
| Total Fundraising Expense | $163,876 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $371,496 | $97,475 | $117,169 | $586,140 |
| Occupancy | $42,761 | $16,252 | $12,529 | $71,542 |
| Payroll Taxes | $29,352 | $7,701 | $9,257 | $46,310 |
| Other Employee Benefits | $21,878 | $5,741 | $6,900 | $34,519 |
| Depreciation Depletion | $11,235 | $2,948 | $3,543 | $17,726 |
| Office Expenses | $8,079 | $2,121 | $2,549 | $12,749 |
| Other Expenses | $6,513 | $1,709 | $2,054 | $10,276 |
| Insurance | $4,504 | $3,998 | $1,420 | $9,922 |
| Fees for Services Other | - | - | $8,100 | $8,100 |
| All Other Expenses | $2,450 | $678 | $325 | $3,453 |
| Travel | $2,747 | - | - | $2,747 |
| Interest | $97 | $25 | $30 | $152 |
| Total Functional Expenses | $575,673 | $162,949 | $163,876 | $902,498 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $904,838 |
| Expenses per Audited Statements | $902,498 |
| Total Expenses per Form 990 | $902,498 |
| Expenses Not Reported on Form 990 | $2,340 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Accrued Compensated Absences | $30,643 |
| Right-of-use Finance Lease Liability | $8,762 |
“The form 990 is reviewed and approved first by the board finance committee and then presented to the full board of directors for review and approval prior to filing.”
“Each board member, including the board chairman and executive director is required to annually complete a conflict of interest questionnaire to to insure that no conflict of interest exists. Any potential conflicts must be discussed and resolved prior to that member continuing to serve in their position on the governing board.”
“The board of directors executive committee determines the compensation of the executive director using comparable compensation data for a similarly qualified person in a comparable position at a similar organiztion using the national foundation for credit counsling compensating survey.”
“There are no other compensated officers of the organization. Key employee annual performance review is completed by the executive director. A merit increase and/or cost of living increase may be awarded based on this review. During this process, the executive director compares and reviews the compensation package of key employees in similar organizations using the national foundation for credit counseling compensation survey.”
“All governing documents, including the form 990 are available to the public during regular working hours monday through friday.”
“The organization follows the guidance of the accounting standards codification (asc) 740, accounting for income taxes, related to uncertainties in income taxes, which prescribes a threshold of more likely than not for recognition and derecognition of positions taken or expected to be taken in a tax return. For the year ended june 30, 2025, management of the organization is not aware of any material uncertain tax positions. All tax exempt entities are subject to review and audit by federal, state and other applicable agencies. Such agencies may review the taxability of unrelated business income, or the qualification of the tax-exempt entity under the internal revenue code and applicable state statues. For federal tax purposes, the tax returns remain open for possible examination for a period of three years after the respective filing deadlines of those returns.”
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 | 23794 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 17728 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 10850 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 4560 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | TO IMPROVE THE QUALITY OF LIFE OF INDIVIDUALS AND FAMILIES THROUGH FINANCIAL EDUCATION, CREDIT AND HOUSING COUNSELING, AND MONEY MANAGEMENT SERVICES. |
| IRS990/AllOtherContributionsAmt | 0 | 262405 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 325 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 678 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 2450 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 3453 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | THE ORGANIZATION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4795218877 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 10168 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | FAYETTEVILLE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AR |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 72703 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 240906 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 19928 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 262405 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 38623 |
| IRS990/CYOtherExpensesAmt | 0 | 235529 |
| IRS990/CYOtherRevenueAmt | 0 | 25910 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 290871 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -284689 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 666969 |
| IRS990/CYTotalExpensesAmt | 0 | 902498 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 163876 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 617809 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 81200 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 19000 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 3543 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 2948 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 11235 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 17726 |
| IRS990/Desc | 0 | DEBT MANAGEMENT - THE ORGANIZATION WORKS WITH CREDITORS TO CONSOLIDATE DEBT AND ARRANGE BETTER REPAYMENT TERMS. COUNSELING AND EDUCATION - THE ORGANIZATION OFFERS CREDIT REPORT REVIEWS, PRE AND POST-DISCHARGE BANKRUPTCY, AND STUDET LOAN COUNSELING AND EDUCATION AS WELL A BUDGETING COUNSELING SERVICES. HOUSING - THE ORGANIZATION OFFERS FREE PRE-HOME PURCHASE AND MORTGAGE DELINQUENCY COUNSELING. REVERSE MORTAGE COUNSELING IS ALSO AVAILABLE FOR SENIOR CITIZENS FOR A FEE. IN ADDITION, THE ORGANIZATION PROVIDES HOUSING AND FORECLOSURE COUNSELING FOR ELIGIBLE INDIVIDUALS UNDER FEE FOR SERVICE CONTRACTS WITH FEDERAL AND STATE AGENCIES. |
| 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 | 13 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 41697 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 48515 |
| IRS990/ExpenseAmt | 0 | 575673 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 8100 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 8100 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | CHAD CHANCE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MAURICIO HERRERA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | TOM JENSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BLAIR JOHANSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | NANCY LEAKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DANIEL LEWIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MIKE ROBARDS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CRAIG SHY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | KELEY SIMPSON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| 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/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 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/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VICE-CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1995 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 30665 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 30665 |
| IRS990/GrossReceiptsAmt | 0 | 617809 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 25910 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | true |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 1420 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 3998 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 4504 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 9922 |
| IRS990/InterestGrp/FundraisingAmt | 0 | 30 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 25 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 97 |
| IRS990/InterestGrp/TotalAmt | 0 | 152 |
| IRS990/InvestmentExpenseAmt | 0 | -4212 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 7958 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 7958 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 370685 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 235801 |
| IRS990/IRPDocumentCnt | 0 | 3 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 42310 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 27733 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 17745 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 60055 |
| IRS990/LegalDomicileStateCd | 0 | AR |
| IRS990/LoanOutstandingInd | 0 | false |
| 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 IMPROVE THE QUALITY OF LIFE OF INDIVIDUALS AND FAMILIES THROUGH FINANCIAL EDUCATION, CREDIT AND HOUSING COUNSELING, AND MONEY MANAGEMENT SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 508466 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 215270 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 30665 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 30665 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 25910 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 25910 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -4295 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 508466 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 215270 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 12529 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 16252 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 42761 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 71542 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 2549 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 2121 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 8079 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 12749 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 17499 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 9761 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 6900 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 5741 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 21878 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 34519 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROFESSIONAL FEES |
| IRS990/OtherExpensesGrp/Desc | 1 | COMMUNITY OUTREACH |
| IRS990/OtherExpensesGrp/Desc | 2 | DUES AND MEMBERSHIPS |
| IRS990/OtherExpensesGrp/Desc | 3 | TELEPHONE |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 2054 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 18422 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 3252 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 2627 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 1709 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 31178 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 26275 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 17108 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 6513 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 49600 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 29527 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 19735 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10276 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 58530 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 39405 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 117169 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 97475 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 371496 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 586140 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 9257 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 7701 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 29352 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 46310 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 4317 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 3608 |
| IRS990/PrincipalOfficerNm | 0 | MARY CATHERINE HARCOURT |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEDERAL AND STATE HOUSING |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | PROGRAM SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | PROGRAM INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 133363 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 132923 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 23664 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 921 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 133363 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 132923 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 23664 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 921 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 563149 |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 33732 |
| IRS990/PYOtherExpensesAmt | 0 | 234180 |
| IRS990/PYOtherRevenueAmt | 0 | 25300 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 413265 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 104620 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 696646 |
| IRS990/PYTotalExpensesAmt | 0 | 930826 |
| IRS990/PYTotalRevenueAmt | 0 | 1035446 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -284689 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 25910 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 290871 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 41697 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 48515 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 262405 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 563149 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 704649 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 430212 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 564181 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 2524596 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 33868 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 33652 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 32845 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 7951 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 19872 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 128188 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 290871 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 413265 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 331710 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 227977 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 335467 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 1599290 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 33868 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 33652 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 32845 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 7951 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 19872 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 128188 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.03000 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.02000 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.96990 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.97700 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 4123886 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 553276 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 976414 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 1036359 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 658189 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 899648 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 4123886 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 587144 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 1010066 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 1069204 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 666140 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 919520 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 4252074 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | true |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 2340 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 2340 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 10339 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 26355 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 36694 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 2340 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 902498 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 4212 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 7406 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 15955 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 23361 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | -4295 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 30643 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 8762 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | ACCRUED COMPENSATED ABSENCES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | RIGHT-OF-USE FINANCE LEASE LIABILITY |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -1955 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 4212 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 613597 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION FOLLOWS THE GUIDANCE OF THE ACCOUNTING STANDARDS CODIFICATION (ASC) 740, ACCOUNTING FOR INCOME TAXES, RELATED TO UNCERTAINTIES IN INCOME TAXES, WHICH PRESCRIBES A THRESHOLD OF MORE LIKELY THAN NOT FOR RECOGNITION AND DERECOGNITION OF POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. FOR THE YEAR ENDED JUNE 30, 2025, MANAGEMENT OF THE ORGANIZATION IS NOT AWARE OF ANY MATERIAL UNCERTAIN TAX POSITIONS. ALL TAX EXEMPT ENTITIES ARE SUBJECT TO REVIEW AND AUDIT BY FEDERAL, STATE AND OTHER APPLICABLE AGENCIES. SUCH AGENCIES MAY REVIEW THE TAXABILITY OF UNRELATED BUSINESS INCOME, OR THE QUALIFICATION OF THE TAX-EXEMPT ENTITY UNDER THE INTERNAL REVENUE CODE AND APPLICABLE STATE STATUES. FOR FEDERAL TAX PURPOSES, THE TAX RETURNS REMAIN OPEN FOR POSSIBLE EXAMINATION FOR A PERIOD OF THREE YEARS AFTER THE RESPECTIVE FILING DEADLINES OF THOSE RETURNS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE D, PAGE 3, PART X |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 17745 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 902498 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 39405 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 617809 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 611642 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 904838 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE FORM 990 IS REVIEWED AND APPROVED FIRST BY THE BOARD FINANCE COMMITTEE AND THEN PRESENTED TO THE FULL BOARD OF DIRECTORS FOR REVIEW AND APPROVAL PRIOR TO FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EACH BOARD MEMBER, INCLUDING THE BOARD CHAIRMAN AND EXECUTIVE DIRECTOR IS REQUIRED TO ANNUALLY COMPLETE A CONFLICT OF INTEREST QUESTIONNAIRE TO TO INSURE THAT NO CONFLICT OF INTEREST EXISTS. ANY POTENTIAL CONFLICTS MUST BE DISCUSSED AND RESOLVED PRIOR TO THAT MEMBER CONTINUING TO SERVE IN THEIR POSITION ON THE GOVERNING BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BOARD OF DIRECTORS EXECUTIVE COMMITTEE DETERMINES THE COMPENSATION OF THE EXECUTIVE DIRECTOR USING COMPARABLE COMPENSATION DATA FOR A SIMILARLY QUALIFIED PERSON IN A COMPARABLE POSITION AT A SIMILAR ORGANIZTION USING THE NATIONAL FOUNDATION FOR CREDIT COUNSLING COMPENSATING SURVEY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THERE ARE NO OTHER COMPENSATED OFFICERS OF THE ORGANIZATION. KEY EMPLOYEE ANNUAL PERFORMANCE REVIEW IS COMPLETED BY THE EXECUTIVE DIRECTOR. A MERIT INCREASE AND/OR COST OF LIVING INCREASE MAY BE AWARDED BASED ON THIS REVIEW. DURING THIS PROCESS, THE EXECUTIVE DIRECTOR COMPARES AND REVIEWS THE COMPENSATION PACKAGE OF KEY EMPLOYEES IN SIMILAR ORGANIZATIONS USING THE NATIONAL FOUNDATION FOR CREDIT COUNSELING COMPENSATION SURVEY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ALL GOVERNING DOCUMENTS, INCLUDING THE FORM 990 ARE AVAILABLE TO THE PUBLIC DURING REGULAR WORKING HOURS MONDAY THROUGH FRIDAY. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | AR |
| 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 | 713687 |
| IRS990/TotalAssetsEOYAmt | 0 | 339918 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 713687 |
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