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By Tammy Hettinger

Credit Abuse Resistance Education (CARE) was founded by now-retired U.S. Bankruptcy Judge John C. Ninfo II in 2002. He was frustrated by the number of young consumer debtors who would appear in his bankruptcy courtroom because they simply lacked the necessary tools and knowledge to manage their finances. As a result, Judge Ninfo started CARE to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. Over the past 20 years, CARE has grown into a nationwide organization with a network of volunteers dedicated to empowering the next generation for financial success.
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“CARE volunteers will never know where their impact ends. The indelible message they share resonates deeply in the minds of the young people they encounter.” –Tony Bussone, Grayslake North High School, Grayslake, Ill.

Credit Abuse Resistance Education (CARE) is a 501(c)(3) nonprofit organization that provides no-cost financial education workshops to high schools, colleges and youth organizations. These workshops are designed to teach students to ask tough questions about their finances and understand their decision-making processes to ensure that they make smart credit decisions. CARE partners with professionals in various financial service industries to provide real-world context to the fundamentals of personal finance; these professionals include bankruptcy judges, attorneys, accountants and financial planners. Based in 35 states, D.C. and Puerto Rico, CARE works best as a reinforcing guest-speaker program for an educator’s existing curriculum or as a standalone presentation aimed at providing an intro to personal finance or paying for college. The materials are offered at no cost in both English and Spanish and meet the National Standards in K-12 Personal Finance Education as set out by the Jump$tart Coalition.

This year, a group of students at Loyola University Maryland created a short video about CARE in honor of our 20th Anniversary. Check it out to learn more about CARE’s story, what drives our work and how we can help your students. Click here to watch.
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Tammy Hettinger

National Educators Conference 2022
The Jump$tart Coalition is accepting applications for exhibitors for our upcoming National Educator Conference Do you have financial education services, resources or information that you’d like to get in front 300 or more? If you are interested, you can submit your application here.