Civic Intelligence

Elbow Room the Movement to End Student Loan Debt

EIN 86-1986002 • 501(c)3 • Oakland, CA

Pub. 78 Eligible990-N CoverageNTEE S31

Profile

Eliminate student loan debt

5400 Broadway TerraceOakland, CA 94618

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

9th percentile

-41%

Higher net margin than 9% of similar nonprofits.

NTEE S31 • <$500k nonprofits • Source year 2024

Top Officer Pay

79th percentile

$0

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE S31 • <$500k nonprofits • Source year 2024

Asset Growth

6th percentile

-80%

Faster asset growth than 6% of similar nonprofits.

NTEE S • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

331%

Faster revenue growth than 96% of similar nonprofits.

NTEE S • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$4,456

Down $18,125 (-80%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$4,456

Down $18,125 (-80%) from 2023

Operations
Liabilities / RevenueScore unavailableNet Margin9th percentile

Revenue

Up

$44,457

Up $34,151 (+331%) from 2023

Expenses

Up

$62,582

Up $60,143 (+2466%) from 2023

Net Income

Down

-$18,125

Down $25,992 (-330%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth6th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30K$20K$10K$0Assets 2023: $22,581Net Assets 2023: $22,5812023Assets 2024: $4,456Net Assets 2024: $4,4562024

Highlighted filing

2024

Assets$4,456
Liabilities-
Net Assets$4,456
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100K$50K$0-$50KRevenue 2023: $10,306Expenses 2023: $2,439Net Income 2023: $7,8672023Revenue 2024: $44,457Expenses 2024: $62,582Net Income 2024: -$18,1252024

Highlighted filing

2024

Revenue$44,457
Expenses$62,582
Net Income-$18,125
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,456
Liabilities
-
Net assets
$4,456
Revenue
$44,457
Expenses
$62,582
Net income
-$18,125
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.46$4.46$44.5$62.6$18.1
2023Detailed filing. Detailed filing data is available for this year.$22.6$22.6$10.3$2.44$7.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$44,457
Mission and Program Overview

Mission

Eliminate student loan debt

Program Services

DescriptionGrantsExpenses
WE ARE A SOCIAL JUSTIC NON-PROFIT CONCENTRATEDON EDUCATION AND ELIMINATION FOR INDIVIDUALSSADDLED WITH STUDENT LOAN DEBT.$0$58,167
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
HOLLY FRIARPresident & DirectorPT$0--
RITA MILLERSecretaryPT$0--
TAYLER FRIARTreasurerPT$0--
Filing and Contact Details

Filer

Filer Name
Elbow Room the Movement to End Student Debt
EIN
86-1986002
Phone
5104064211
Address
5400 BROADWAY TERRACE, OAKLAND, CA 94618

Signing Officer

Name
Holly Friar
Title
President & Director
Phone
5104064211
Signed
2025-05-15

Preparer

Firm
F Dorsey Tax Service
Address
1485 Bayshore Blvd Ste 137, San Francisco, CA 94124
Preparer
Sally Hawkins
Phone
5108125047
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“PROGRAM EXPENSE 58167.”

Form 990EZ, Part I, Line 16

“OFFICE EXPENSE 4415.”

Raw XML Appendix137 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/BooksInCareOfDetail/PhoneNum05108125047
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SUISUN CITY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd094585
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt022581
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt04456
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
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IRS990EZ/CostOfGoodsSoldAmt00
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IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-18125
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt022581
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IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt044457
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0HOLLY FRIAR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1RITA MILLER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2TAYLER FRIAR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT & DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt062582
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0ELIMINATE STUDENT LOAN DEBT
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0WE ARE A SOCIAL JUSTIC NON-PROFIT CONCENTRATEDON EDUCATION AND ELIMINATION FOR INDIVIDUALSSADDLED WITH STUDENT LOAN DEBT.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt058167
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0CA
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt062582
IRS990EZ/TotalProgramServiceExpensesAmt058167
IRS990EZ/TotalRevenueAmt044457
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt044457
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt010306
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt054763
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportTotal170Amt054763
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt044457
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt010306
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt054763
IRS990ScheduleA/TotalSupportAmt054763
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROGRAM EXPENSE 58167.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OFFICE EXPENSE 4415.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0HOLLY FRIAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05104064211
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ELBOW ROOM THE MOVEMENT TO END STUDENT DEBT
ReturnHeader/Filer/BusinessNameControlTxt0ELBO
ReturnHeader/Filer/EIN0861986002
ReturnHeader/Filer/PhoneNum05104064211
ReturnHeader/Filer/USAddress/AddressLine1Txt05400 BROADWAY TERRACE
ReturnHeader/Filer/USAddress/CityNm0OAKLAND
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0943287046
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Francisco
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd094124
ReturnHeader/PreparerPersonGrp/PhoneNum05108125047
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Sally Hawkins
ReturnHeader/ReturnTs02025-05-15T08:51:31-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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