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The Problem

In the United States, a little over half of all adults are financially literate, according to a 2014 survey by Standard & Poor’s Rating Services. Financial illiteracy can have a profound effect on a person’s ability to save for their future, increasing their risk of higher debts and less savings. People who are financially literate make smarter decisions about saving, planning for retirement, investments, and more. Beginning financial education at an early age is critical to a young person’s long-term financial well-being. 


What Does CARE Do?

Credit Abuse Resistance Education (CARE) is a national, nonprofit organization providing students and young adults with the skills they need to make smart financial decisions. CARE is a volunteer-driven organization, with a network of approximately 1,000 expert volunteers in chapters across the country who give free educational presentations in high schools, colleges, and community youth organizations. Each CARE presentation conforms to the National Standards in K-12 Personal Finance Education developed by the National Jump$tart Coalition for Personal Financial Literacy.

Learn About CARE’s Curriculum

Who Can Volunteer?

Anyone with a passion for financial literacy education and who has personal or professional financial services experience is welcome to volunteer. CARE volunteers are located across the country and typically come from the bankruptcy profession, as well as other personal-finance fields. Volunteers 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.

Become a CARE Volunteer

Where is CARE?

CARE has a national presence in financial literacy education, with dedicated chapter volunteers currently in over half of the states, Washington, D.C., and Puerto Rico. By 2020, CARE aims to have a chapter in each of the 50 states, Washington, D.C., and Puerto Rico. CARE’s 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.

See a map of our CARE chapters

What has CARE Achieved?

CARE was founded in 2002 by 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.

Read testimonials about CARE’s work