Civic Intelligence

College Affordable Inc

EIN 88-3690739 • 501(c)3 • Needham, MA

Profile

College affordable is a non profit organization built to help families reduce the cost of college, minimize debt and increase higher education choices.

200 Highland Avenue 305Needham, MA 02494

collegeaffordable.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.91x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

86th percentile

0.17x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

37th percentile

-4.2%

Higher net margin than 37% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

99th percentile

$171,553

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 35.8% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

86th percentile

52%

Faster asset growth than 86% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

91st percentile

97%

Faster revenue growth than 91% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$86,662

Up $29,475 (+52%) from 2023

Liabilities

Up

$79,125

Up $50,403 (+175%) from 2023

Net Assets

Down

$7,537

Down $20,928 (-74%) from 2023

Operations
Liabilities / Revenue86th percentileNet Margin37th percentile

Revenue

Up

$478,589

Up $235,093 (+97%) from 2023

Expenses

Up

$498,837

Up $302,851 (+155%) from 2023

Net Income

Down

-$20,248

Down $67,758 (-143%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$100K$50K$0-$50KAssets 2022: $11,668Liabilities 2022: $30,735Net Assets 2022: -$19,0672022Assets 2023: $57,187Liabilities 2023: $28,722Net Assets 2023: $28,4652023Assets 2024: $86,662Liabilities 2024: $79,125Net Assets 2024: $7,5372024

Highlighted filing

2024

Assets$86,662
Liabilities$79,125
Net Assets$7,537
Open 2024 Filing

Operations Trend

Revenue Growth91st percentile

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

$600K$400K$200K$0-$200KRevenue 2022: $0Expenses 2022: $19,067Net Income 2022: -$19,0672022Revenue 2023: $243,496Expenses 2023: $195,986Net Income 2023: $47,5102023Revenue 2024: $478,589Expenses 2024: $498,837Net Income 2024: -$20,2482024

Highlighted filing

2024

Revenue$478,589
Expenses$498,837
Net Income-$20,248
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$86,662
Liabilities
$79,125
Net assets
$7,537
Revenue
$478,589
Expenses
$498,837
Net income
-$20,248
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.87$0.79$0.08$4.79$4.99$0.20
2023Detailed filing. Detailed filing data is available for this year.$0.57$0.29$0.28$2.43$1.96$0.48
2022Detailed filing. Detailed filing data is available for this year.$0.12$0.31$0.19$0.00$0.19$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 3, 2025
Return Version
2024v5.1
Gross Receipts
$478,589
Mission and Program Overview

Mission

College affordable is a non profit organization built to help families reduce the cost of college, minimize debt and increase higher education choices.

College affordable is a non profit organization built to help families reduce the cost ofcollege, minimize debt and increase higher education choices.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$12,250$54,700▲ $42,450
Cash and Non-Interest-Bearing Accounts$43,946$25,288▼ $18,658
Rtn Earn Endowment Incm Other Fnds$28,465$7,537▼ $20,928
Prepaid Expenses and Deferred Charges-$6,600-
Pledges and Grants Receivable$893--
Savings and Temporary Cash Investments$98$74▼ $24
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$57,187$86,662▲ $29,475
Liabilities
Accounts Payable and Accrued Expenses$4,472$50,458▲ $45,986
Deferred Revenue$24,250$28,667▲ $4,417
Total Liabilities$28,722$79,125▲ $50,403
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,465$7,537▼ $20,928
Total Liabilities and Net Assets / Fund Balance$57,187$86,662▲ $29,475
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian GardinerExecutive Director/clerkFT$169,615$1,938$171,553
LYNETTE O'LEARYDirector of Financial AidFT$110,765$1,400$112,165
Gregg CohenChair & DirectorPT$4,515-$4,515

Board Members and Trustees

NameTitle
Alexis MongoDirector
CHARLES O'HEARNDirector
Matthew MalatestaDirector
Sarah BishinsDirector
Scott MahoneyDirector
Wendy KohlerDirector
Polly Ross RibattTreasurer & Director
Revenue and Support

Revenue Composition

Contributions and Grants
$308,781
Program Service Revenue
$169,808
Investment Income
$0
Other Revenue
$0
All Other Contributions
$308,781
Change in Net Assets
$-20,248
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$394,608
Other Expenses$104,229
Total Fundraising Expense$60,287
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$190,440$233-$190,673
Current Officers, Directors, Trustees, and Key Employees$116,703$25,442$33,923$176,068
Information Technology$10,776$13,621$3,822$28,219
Payroll Taxes$20,932$2,843$2,207$25,982
Fees for Services Other$8,713$7,772$9,340$25,825
Fees for Services Accounting-$18,583-$18,583
Occupancy$7,560-$3,240$10,800
Office Expenses$891$5,336$1,040$7,267
Advertising$869$665$5,253$6,787
Travel$3,632$1,654$1,462$6,748
Pension Plan Contributions$1,885--$1,885
Total Functional Expenses$362,401$76,149$60,287$498,837
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The form 990 is provided to the full board for comments before filing.”

Form 990, Part VI, Section B, Line 12C

“A task force was established by the board of directors to establish a policy and process for monitoring compliance with the conflict of interest policy. The conflict of interest policy is also reviewed as an organization in our recurring executive team meetings. In addition, as any potential conflicts of interests arise, we review and discuss in this same executive team setting.”

Form 990, Part VI, Section B, Line 15

“The compensation for the executive director is reviewed by the board subcommittee, led by the board chair. The compensation for other officers and key employees is reviewed by the executive director with an advisory board member who has extensive hr experience. The compensation is also review by the executive management team.”

Form 990, Part VI, Section C, Line 19

“The required documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
College Affordable Inc
EIN
88-3690739
Phone
7813431941
Address
200 HIGHLAND AVENUE 305, NEEDHAM, MA 02494

Signing Officer

Name
Brian Gardiner
Title
Executive Director/clerk
Phone
7813431941
Signed
2025-04-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Gardiner
Formed
2022
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
7
Employees
5
Volunteers
22

Preparer

Firm
Aafcpas Inc
Address
50 WASHINGTON STREET, WESTBOROUGH, MA 01581
Preparer
Joyce Ripianzi CPA
Phone
5083669100
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IRS990/Desc0IN THE UNITED STATES, THE EXORBITANT COST OF COLLEGE AND THE COMPLEX FINANCIAL AID PROCESS HINDERS ACCESS TO HIGHER EDUCATION AND CAN LEAD TO UNSUSTAINABLE STUDENT LOANS FOR STUDENTS THAT DO NOT HAVE THE MEANS TO NAVIGATE THIS PROCESS. COLLEGE AFFORDABLE, INC.'S MISSION IS TO REDUCE THOSE BARRIERS, PARTICULARLY AMONG STUDENT POPULATIONS THAT POSSESS THE HIGHEST FINANCIAL NEED AND WHERE THE IMPACT IS GREATEST. IN THE FUTURE, COLLEGE AFFORDABLE, INC. WILL RAISE DONATIONS FROM INDIVIDUALS, CORPORATIONS, AND GRANTS AND THEN WILL SPEND 70 - 80 PERCENT OF ITS TIME AND RESOURCES TO PROVIDE EDUCATIONAL SERVICES AS A FREE RESOURCE FOR STUDENTS AND THEIR FAMILIES AND PROVIDE PERSONALIZED SUPPORT TO STUDENTS WITH THE GREATEST NEED TO NAVIGATE THE FINANCIAL AID PROCESS, WHICH IS IN LINE WITH THE MISSION OF THE ORGANIZATION. WE WILL PARTNER WITH SCHOOLS AND NON-PROFIT ORGANIZATIONS TO PROVIDE ONLINE WEBINARS ON TIMELY TOPICS SUCH AS COMPLETING THE FINANCIAL AID APPLICATIONS (FAFSA), STUDENT LOAN OPTIONS, UNDERSTANDING FINANCIAL AID AWARDS, AND FINANCIAL LITERACY EDUCATION FOR STUDENTS. FAMILIES, HIGH SCHOOL GUIDANCE COUNSELORS, AND NON-PROFIT PARTNERS MAY CALL OR EMAIL FOR ANSWERS TO FINANCIAL AID QUESTIONS. PERSONALIZED SUPPORT WITH COMPLETING FINANCIAL AID OR STUDENT LOAN APPLICATIONS MAY BE ARRANGED WITH A PARTNER SCHOOL OR NONPROFIT ORGANIZATION FOR STUDENTS IDENTIFIED AS QUALIFYING BASED ON ADVERSE PERSONAL CIRCUMSTANCES.COLLEGE AFFORDABLE, INC. INTENDS TO RAISE MONEY FROM PHILANTHROPISTS AND FROM INDUSTRY ADJACENT SERVICES PROVIDERS. EXPENSES WILL BE FOR FUNDRAISING AND ADMINISTRATIVE EXPENSES AS WELL AS EXECUTION OF OUR PROGRAMS TO PROVIDE EDUCATION AND SUPPORT TO SCHOOLS, NON-PROFIT ORGANIZATIONS AND FAMILIES. COLLEGE AFFORDABLE INC. INTENDS TO MAXIMIZE THE USE OF QUALIFIED VOLUNTEERS IN THE DELIVERY OF THE SUPPORT AND EDUCATION PROVIDED. AT THE CURRENT TIME AND IN THE INITIAL STAGES ALL SUPPORT BEING PROVIDED IS ON A VOLUNTEER BASIS, AND NO COMPENSATION IS BEING PAID AT THIS TIME AND DURING THE STARTUP PHASE OF THE ORGANIZATION.
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IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-20248
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt028465
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07537
IRS990/SavingsAndTempCashInvstGrp/BOYAmt098
IRS990/SavingsAndTempCashInvstGrp/EOYAmt074
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0204996
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0513777
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0208308
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0391048
IRS990ScheduleA/SubstantialContributorsTotAmt0122729
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0308781
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0204996
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0513777
IRS990ScheduleA/TotalSupportAmt0513777
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IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS PROVIDED TO THE FULL BOARD FOR COMMENTS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A TASK FORCE WAS ESTABLISHED BY THE BOARD OF DIRECTORS TO ESTABLISH A POLICY AND PROCESS FOR MONITORING COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. THE CONFLICT OF INTEREST POLICY IS ALSO REVIEWED AS AN ORGANIZATION IN OUR RECURRING EXECUTIVE TEAM MEETINGS. IN ADDITION, AS ANY POTENTIAL CONFLICTS OF INTERESTS ARISE, WE REVIEW AND DISCUSS IN THIS SAME EXECUTIVE TEAM SETTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATION FOR THE EXECUTIVE DIRECTOR IS REVIEWED BY THE BOARD SUBCOMMITTEE, LED BY THE BOARD CHAIR. THE COMPENSATION FOR OTHER OFFICERS AND KEY EMPLOYEES IS REVIEWED BY THE EXECUTIVE DIRECTOR WITH AN ADVISORY BOARD MEMBER WHO HAS EXTENSIVE HR EXPERIENCE. THE COMPENSATION IS ALSO REVIEW BY THE EXECUTIVE MANAGEMENT TEAM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE REQUIRED DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt076149
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0362401
IRS990/TotalFunctionalExpensesGrp/TotalAmt0498837
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt079125
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt028465
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07537
IRS990/TotalOtherCompensationAmt03338
IRS990/TotalProgramServiceExpensesAmt0362401
IRS990/TotalProgramServiceRevenueAmt0169808
IRS990/TotalReportableCompFromOrgAmt0284895
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0169808
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IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
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IRS990/VotingMembersIndependentCnt07
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IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRIAN GARDINER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR/CLERK
ReturnHeader/BusinessOfficerGrp/PhoneNum07813431941
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COLLEGE AFFORDABLE INC
ReturnHeader/Filer/BusinessNameControlTxt0COLL
ReturnHeader/Filer/EIN0883690739
ReturnHeader/Filer/PhoneNum07813431941
ReturnHeader/Filer/USAddress/AddressLine1Txt0200 HIGHLAND AVENUE 305
ReturnHeader/Filer/USAddress/CityNm0NEEDHAM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042571780
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AAFCPAS INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt050 WASHINGTON STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTBOROUGH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001581
ReturnHeader/PreparerPersonGrp/PhoneNum05083669100
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOYCE RIPIANZI CPA
ReturnHeader/ReturnTs02025-04-04T09:32:25-05:00

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