Credit Abuse Resistance Education (CARE) is a 501(c)(3) national nonprofit organization dedicated to inspiring smart financial decision-making in young adults, high school students, and their families. The digital age presents young adults everywhere with a constant stream of advertising and news media encouraging them to make purchases of the newest goods and services. This can be overwhelming for most young adults and can lead to financial challenges down the road. When this is combined with the pressure to attend college and pay for it, mostly with student loans, millions of young people across the country face years of financial distress. CARE is dedicated to helping young adults cut through the noise and make smart financial decisions. Its core message is delivered through three 45-minute lessons on smart financial planning:
Established in 2002, CARE seeks to prepare high school and college students to manage their personal finances so they can begin adulthood with fewer immediate limits on their future success. CARE is designed to coach high school students and young adults on how to responsibly use credit and other financial services they may need in life. What sets CARE apart from other financial education programs for young adults is its team of volunteers, which consist of bankruptcy judges, lawyers, and financial professionals, who bring their real-life experiences working with individuals in financial distress into the classroom.
Each presentation conforms to the National Standards in K-12 Personal Finance Education developed by the National Jump$tart Coalition for Personal Financial Literacy and encourages students to ask tough questions about their own financial situations so that they understand the possible consequences of poor money management and credit abuse.
In short, anyone with a passion for financial literacy education and who has personal or professional financial services experience.
CARE volunteers are located across the country and typically come from the bankruptcy profession, as well as other personal-finance fields. They include bankruptcy judges, attorneys, trustees, and others with an interest in teaching students how to manage their personal finances. Our volunteers are uniquely qualified to engage students in meaningful discussions based on their first-hand personal or professional experiences.
CARE has a national presence in financial literacy education, with dedicated chapter volunteers in over half of the states, Washington, D.C., and Puerto Rico.
Our focus is on presenting to local classrooms and other venues using local volunteers who understand the characteristics and challenges of their local communities and can best relate to the students. Our goal is to have at least one active chapter in each of the 50 states, Washington, D.C., and Puerto Rico. Reaching this goal will allow us to provide experienced, passionate presenters to students nationwide to give those students the skills they need to have a financially responsible and successful future.
CARE was founded in 2002 by one dedicated individual, retired U.S. Bankruptcy Court Judge John C. Ninfo II, who had a passion for teaching youth the consequences of credit card misuse. Since that time, CARE’s volunteer presence has grown exponentially, and the organization has given thousands of presentations across the country. In 2016, 400 CARE volunteers made presentations to more than 35,000 students and young adults throughout the U.S. and Puerto Rico. We are still growing, and we hope you will join us in spreading our message and educating the leaders of tomorrow.