TY 2019 Form 990

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W-2/1099-MISC)
(1) DEBBIE BIANUCCI...................................................................... CHAIR	1.00 .................	X	X		0	0
(2) KRISTEN HOLT...................................................................... VICE CHAIR	1.00 .................	X	X		0	0
(3) JOEL GREENBERG...................................................................... SECRETARY	1.00 .................	X	X		0	0
(4) KURT GROSSHEIM...................................................................... TREASURER	1.00 .................	X	X		0	0
(5) GLORIA C BANKS...................................................................... TRUSTEE	1.00 .................	X			0	0
(6) JO ANN BAREFOOT...................................................................... TRUSTEE	1.00 .................	X			0	0
(7) GENGER CHARLES...................................................................... TRUSTEE	1.00 .................	X			0	0
(8) MIKE CROXSON...................................................................... TRUSTEE	1.00 .................	X			0	0
(9) JAY DESMARTEAU...................................................................... TRUSTEE	1.00 .................	X			0	0
(10) DUANE ELMER...................................................................... TRUSTEE	1.00 .................	X			0	0
(11) TRISH GEDDES...................................................................... TRUSTEE	1.00 .................	X			0	0
(12) MARY LOFTUS...................................................................... TRUSTEE	1.00 .................	X			0	0
(13) CINDY SEREMEK...................................................................... TRUSTEE	1.00 .................	X			0	0
(14) JEFF WITHERSPOON...................................................................... TRUSTEE	1.00 .................	X			0	0
(15) REBECCA STEELE...................................................................... CEO	50.00 .................		X		519,699	150,213
(16) JEFFREY FAULKNER...................................................................... COO/CFO	50.00 .................		X		244,950	98,935
(17) PETER KLIPA...................................................................... SVP, CREDITOR RELATIONS	50.00 .................			X	146,618	24,652

(A) Name and business address	(B) Description of services	(C) Compensation
LOGICAL MEDIA GROUP 445 W EIRE STREET 208 CHICAGO,IL60654	DIRECT MARKETING	479,174
BLUE FLAME THINKING 801 BROADWAY NW SUITE 300 GRAND RAPIDS,MI49504	DIRECT MARKETING	251,157
THE OHIO STATE UNIVERSITY RESEARCH FOUND 1960 KENNY ROAD COLUMBUS,OH43210	ACADEMIC ANALYSIS & CONSULTING	185,085
FAEGRE DRINKER BIDDLE & REATH LLP ONE LOGAN SQUARE SUITE 2000 PHILADELPHIA,PA19103	LEGAL CONSULTING	147,867
HILLTOP CONSULTANTS INC 1990 K STREET SUITE 600 WASHINGTON,DC20006	INFORMATION TECHNOLOGY CONSULTING	144,807
2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 7

- TIN:

SCHEDULE A
(Form 990 or 990EZ)

Department of the Treasury
Internal Revenue Service

Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2019

Open to Public
Inspection

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Part I

Reason for Public Charity Status (All organizations must complete this part.) See instructions.

The organization is not a private foundation because it is: (For lines 1 through 12, check only one box.)

A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i).

A school described in section 170(b)(1)(A)(ii). (Attach Schedule E (Form 990 or 990-EZ).)

A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).

A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the hospital's name, city, and state:

An organization operated for the benefit of a college or university owned or operated by a governmental unit described in section 170(b)(1)(A)(iv). (Complete Part II.)

A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).

An organization that normally receives a substantial part of its support from a governmental unit or from the general public described in section 170(b)(1)(A)(vi). (Complete Part II.)

A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)

An agricultural research organization described in 170(b)(1)(A)(ix) operated in conjunction with a land-grant college or university or a non-land grant college of agriculture. See instructions. Enter the name, city, and state of the college or university:

An organization that normally receives: (1) more than 331/3% of its support from contributions, membership fees, and gross receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 331/3% of its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)

An organization organized and operated exclusively to test for public safety. See section 509(a)(4).

An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of one or more publicly supported organizations described in section 509(a)(1) or section 509(a)(2). See section 509(a)(3). Check the box in lines 12a through 12d that describes the type of supporting organization and complete lines 12e, 12f, and 12g.

Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by giving the supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supporting organization. You must complete Part IV, Sections A and B.

Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by having control or management of the supporting organization vested in the same persons that control or manage the supported organization(s). You must complete Part IV, Sections A and C.

Type III functionally integrated. A supporting organization operated in connection with, and functionally integrated with, its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.

Type III non-functionally integrated. A supporting organization operated in connection with its supported organization(s) that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentiveness requirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type III functionally integrated, or Type III non-functionally integrated supporting organization.

Enter the number of supported organizations ...............................

Provide the following information about the supported organization(s).

(i) Name of supported organization	(ii) EIN	(iv) Is the organization listed in your governing document?		(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)
(i) Name of supported organization	(ii) EIN	Yes	No	(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)


Total

For Paperwork Reduction Act Notice, see the Instructions for
Form 990 or 990-EZ.

Cat. No. 11285F

Schedule A (Form 990 or 990-EZ) 2019

Page 2

Part II

Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization failed to qualify under the tests listed below, please complete Part III.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2015	(b) 2016	(c) 2017	(d) 2018	(e) 2019	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grant.") ..	10,517,992	7,408,659	10,019,762	3,874,846	7,403,084	39,224,343
2	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf....
3	The value of services or facilities furnished by a governmental unit to the organization without charge..
4	Total. Add lines 1 through 3	10,517,992	7,408,659	10,019,762	3,874,846	7,403,084	39,224,343
5	The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f)..						13,034,954
6	Public support. Subtract line 5 from line 4.						26,189,389

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2015	(b) 2016	(c) 2017	(d) 2018	(e) 2019	(f) Total
7	Amounts from line 4..	10,517,992	7,408,659	10,019,762	3,874,846	7,403,084	39,224,343
8	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...	61,922	65,404	17,921	4,191	14,994	164,432
9	Net income from unrelated business activities, whether or not the business is regularly carried on..
10	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.)..	1,801	27,967	33,895	11,865	5,741	81,269
11	Total support. Add lines 7 through 10						39,470,044

Gross receipts from related activities, etc. (see instructions) ..................

11,558,290

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here........................................ right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2019 (line 6, column (f) divided by line 11, column (f)) .........

66.350 %

Public support percentage for 2018 Schedule A, Part II, line 14 ...............

75.540 %

16a

33 1/3% support test—2019. If the organization did not check the box on line 13, and line 14 is 33 1/3% or more, check this box
and stop here. The organization qualifies as a publicly supported organization ....................... right arrow

33 1/3% support test—2018. If the organization did not check a box on line 13 or 16a, and line 15 is 33 1/3% or more, check this
box and stop here. The organization qualifies as a publicly supported organization ..................... right arrow

17a

10%-facts-and-circumstances test—2019. If the organization did not check a box on line 13, 16a, or 16b, and line 14
is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain
in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported
organization ..................................................... right arrow

10%-facts-and-circumstances test—2018. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line
15 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here.
Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly
supported organization ................................................ right arrow

Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow

Schedule A (Form 990 or 990-EZ) 2019

Page 3

Part III

Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 10 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2015	(b) 2016	(c) 2017	(d) 2018	(e) 2019	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .
2	Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose
3	Gross receipts from activities that are not an unrelated trade or business under section 513 .....
4	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...
5	The value of services or facilities furnished by a governmental unit to the organization without charge
6	Total. Add lines 1 through 5
7a	Amounts included on lines 1, 2, and 3 received from disqualified persons
b	Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.
c	Add lines 7a and 7b..
8	Public support. (Subtract line 7c from line 6.)

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2015	(b) 2016	(c) 2017	(d) 2018	(e) 2019	(f) Total
9	Amounts from line 6...
10a	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources..
b	Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.
c	Add lines 10a and 10b.
11	Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on.
12	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) ..
13	Total support. (Add lines 9, 10c, 11, and 12.)..

First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization,
check this box and stop here............................................. right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2019 (line 8, column (f) divided by line 13, column (f)) .........

Public support percentage from 2018 Schedule A, Part III, line 15 ...............

Section D. Computation of Investment Income Percentage

Investment income percentage for 2019 (line 10c, column (f) divided by line 13, column (f)) ......

Investment income percentage from 2018 Schedule A, Part III, line 17 .............

19a

331/3% support tests—2019. If the organization did not check the box on line 14, and line 15 is more than 33 1/3%, and line 17 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ....... right arrow

33 1/3% support tests—2018. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 33 1/3% and line 18 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization .... right arrow

Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions .... right arrow

Schedule A (Form 990 or 990-EZ) 2019

Page 4

Part IV

Supporting Organizations

(Complete only if you checked a box on line 12 of Part I. If you checked 12a of Part I, complete Sections A and B. If you checked 12b of Part I, complete Sections A and C. If you checked 12c of Part I, complete Sections A, D, and E. If you checked 12d of Part I, complete Sections A and D, and complete Part V.)

Section A. All Supporting Organizations

Yes

Are all of the organization’s supported organizations listed by name in the organization’s governing documents?
If "No," describe in Part VI how the supported organizations are designated. If designated by class or purpose,
describe the designation. If historic and continuing relationship, explain.

Did the organization have any supported organization that does not have an IRS determination of status under section 509(a)(1) or (2)? If "Yes," explain in Part VI how the organization determined that the supported organization was described in section 509(a)(1) or (2).

Did the organization have a supported organization described in section 501(c)(4), (5), or (6)? If "Yes," answer (b) and (c) below.

Did the organization confirm that each supported organization qualified under section 501(c)(4), (5), or (6) and satisfied the public support tests under section 509(a)(2)? If "Yes," describe in Part VI when and how the organization made the determination.

Did the organization ensure that all support to such organizations was used exclusively for section 170(c)(2)(B) purposes? If "Yes," explain in Part VI what controls the organization put in place to ensure such use.

Was any supported organization not organized in the United States ("foreign supported organization")? If “Yes” and if you checked 12a or 12b in Part I, answer (b) and (c) below.

Did the organization have ultimate control and discretion in deciding whether to make grants to the foreign supported organization? If “Yes,” describe in Part VI how the organization had such control and discretion despite being controlled or supervised by or in connection with its supported organizations.

Did the organization support any foreign supported organization that does not have an IRS determination under sections 501(c)(3) and 509(a)(1) or (2)? If “Yes,” explain in Part VI what controls the organization used to ensure that all support to the foreign supported organization was used exclusively for section 170(c)(2)(B) purposes.

Did the organization add, substitute, or remove any supported organizations during the tax year? If “Yes,” answer (b) and (c) below (if applicable). Also, provide detail in Part VI, including (i) the names and EIN numbers of the supported organizations added, substituted, or removed; (ii) the reasons for each such action; (iii) the authority under the organization's organizing document authorizing such action; and (iv) how the action was accomplished (such as by amendment to the organizing document).

Type I or Type II only. Was any added or substituted supported organization part of a class already designated in the organization's organizing document?

Substitutions only. Was the substitution the result of an event beyond the organization's control?

Did the organization provide support (whether in the form of grants or the provision of services or facilities) to anyone other than (i) its supported organizations, (ii) individuals that are part of the charitable class benefited by one or more of its supported organizations, or (iii) other supporting organizations that also support or benefit one or more of the filing organization’s supported organizations? If “Yes,” provide detail in Part VI.

Did the organization provide a grant, loan, compensation, or other similar payment to a substantial contributor (defined in section 4958(c)(3)(C)), a family member of a substantial contributor, or a 35% controlled entity with regard to a substantial contributor? If “Yes,” complete Part I of Schedule L (Form 990 or 990-EZ) .

Did the organization make a loan to a disqualified person (as defined in section 4958) not described in line 7? If “Yes,” complete Part I of Schedule L (Form 990 or 990-EZ).

Was the organization controlled directly or indirectly at any time during the tax year by one or more disqualified persons as defined in section 4946 (other than foundation managers and organizations described in section 509(a)(1) or (2))? If “Yes,” provide detail in Part VI.

Did one or more disqualified persons (as defined in line 9a) hold a controlling interest in any entity in which the supporting organization had an interest? If “Yes,” provide detail in Part VI.

Did a disqualified person (as defined in line 9a) have an ownership interest in, or derive any personal benefit from, assets in which the supporting organization also had an interest? If “Yes,” provide detail in Part VI.

10a

Was the organization subject to the excess business holdings rules of section 4943 because of section 4943(f) (regarding certain Type II supporting organizations, and all Type III non-functionally integrated supporting organizations)? If “Yes,” answer line 10b below.

10a

Did the organization have any excess business holdings in the tax year? (Use Schedule C, Form 4720, to determine whether the organization had excess business holdings).

10b

Schedule A (Form 990 or 990-EZ) 2019

Page 5

Part IV

Supporting Organizations (continued)

Yes

Has the organization accepted a gift or contribution from any of the following persons?

A person who directly or indirectly controls, either alone or together with persons described in (b) and (c) below, the governing body of a supported organization?

11a

A family member of a person described in (a) above?

11b

A 35% controlled entity of a person described in (a) or (b) above? If “Yes” to a, b, or c, provide detail in Part VI.

11c

Section B. Type I Supporting Organizations

Yes

Did the directors, trustees, or membership of one or more supported organizations have the power to regularly appoint or elect at least a majority of the organization’s directors or trustees at all times during the tax year? If “No,” describe in Part VI how the supported organization(s) effectively operated, supervised, or controlled the organization’s activities. If the organization had more than one supported organization, describe how the powers to appoint and/or remove directors or trustees were allocated among the supported organizations and what conditions or restrictions, if any, applied to such powers during the tax year.

Did the organization operate for the benefit of any supported organization other than the supported organization(s) that operated, supervised, or controlled the supporting organization? If “Yes,” explain in Part VI how providing such benefit carried out the purposes of the supported organization(s) that operated, supervised or controlled the supporting organization.

Section C. Type II Supporting Organizations

Yes

Were a majority of the organization’s directors or trustees during the tax year also a majority of the directors or trustees of each of the organization’s supported organization(s)? If “No,” describe in Part VI how control or management of the supporting organization was vested in the same persons that controlled or managed the supported organization(s).

Section D. All Type III Supporting Organizations

Yes

Did the organization provide to each of its supported organizations, by the last day of the fifth month of the organization’s tax year, (i) a written notice describing the type and amount of support provided during the prior tax year, (ii) a copy of the Form 990 that was most recently filed as of the date of notification, and (iii) copies of the organization’s governing documents in effect on the date of notification, to the extent not previously provided?

Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supported organization(s) or (ii) serving on the governing body of a supported organization? If "No," explain in Part VI how the organization maintained a close and continuous working relationship with the supported organization(s).

By reason of the relationship described in (2), did the organization’s supported organizations have a significant voice in the organization’s investment policies and in directing the use of the organization’s income or assets at all times during the tax year? If "Yes," describe in Part VI the role the organization’s supported organizations played in this regard.

Section E. Type III Functionally-Integrated Supporting Organizations

Check the box next to the method that the organization used to satisfy the Integral Part Test during the year (see instructions):

The organization satisfied the Activities Test. Complete line 2 below.

The organization is the parent of each of its supported organizations. Complete line 3 below.

The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

Activities Test. Answer (a) and (b) below.

Yes

Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of the supported organization(s) to which the organization was responsive? If "Yes," then in Part VI identify those supported organizations and explain how these activities directly furthered their exempt purposes, how the organization was responsive to those supported organizations, and how the organization determined that these activities constituted substantially all of its activities.

Did the activities described in (a) constitute activities that, but for the organization’s involvement, one or more of the organization’s supported organization(s) would have been engaged in? If "Yes," explain in Part VI the reasons for the organization’s position that its supported organization(s) would have engaged in these activities but for the organization’s involvement.

Parent of Supported Organizations. Answer (a) and (b) below.

Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or trustees of each of the supported organizations? Provide details in Part VI.

Did the organization exercise a substantial degree of direction over the policies, programs and activities of each of its supported organizations? If "Yes," describe in Part VI. the role played by the organization in this regard.

Schedule A (Form 990 or 990-EZ) 2019

Page 6

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations

Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970 (explain in Part VI). See instructions. All other Type III non-functionally integrated supporting organizations must complete Sections A through E.

	Section A - Adjusted Net Income		(A) Prior Year	(B) Current Year (optional)
1	Net short-term capital gain	1
2	Recoveries of prior-year distributions	2
3	Other gross income (see instructions)	3
4	Add lines 1 through 3	4
5	Depreciation and depletion	5
6	Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions)	6
7	Other expenses (see instructions)	7
8	Adjusted Net Income (subtract lines 5, 6 and 7 from line 4)	8

	Section B - Minimum Asset Amount		(A) Prior Year	(B) Current Year (optional)
1	Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year):	1
a	Average monthly value of securities	1a
b	Average monthly cash balances	1b
c	Fair market value of other non-exempt-use assets	1c
d	Total (add lines 1a, 1b, and 1c)	1d
e	Discount claimed for blockage or other factors (explain in detail in Part VI):
2	Acquisition indebtedness applicable to non-exempt use assets	2
3	Subtract line 2 from line 1d	3
4	Cash deemed held for exempt use. Enter 1-1/2% of line 3 (for greater amount, see instructions).	4
5	Net value of non-exempt-use assets (subtract line 4 from line 3)	5
6	Multiply line 5 by .035	6
7	Recoveries of prior-year distributions	7
8	Minimum Asset Amount (add line 7 to line 6)	8

	Section C - Distributable Amount		Current Year
1	Adjusted net income for prior year (from Section A, line 8, Column A)	1
2	Enter 85% of line 1	2
3	Minimum asset amount for prior year (from Section B, line 8, Column A)	3
4	Enter greater of line 2 or line 3	4
5	Income tax imposed in prior year	5
6	Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions)	6

Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions)

Schedule A (Form 990 or 990-EZ) 2019

Page 7

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations(continued)

Section D - Distributions		Current Year
1 Amounts paid to supported organizations to accomplish exempt purposes
2 Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity
3 Administrative expenses paid to accomplish exempt purposes of supported organizations
4 Amounts paid to acquire exempt-use assets
5 Qualified set-aside amounts (prior IRS approval required)
6 Other distributions (describe in Part VI). See instructions
7Total annual distributions. Add lines 1 through 6.
8 Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions
9 Distributable amount for 2019 from Section C, line 6
10 Line 8 amount divided by Line 9 amount

Section E - Distribution Allocations (see instructions)		(i) Excess Distributions	(ii) Underdistributions Pre-2019	(iii) Distributable Amount for 2019
1 Distributable amount for 2019 from Section C, line 6
2 Underdistributions, if any, for years prior to 2019 (reasonable cause required-- explain in Part VI). See instructions.
3 Excess distributions carryover, if any, to 2019:
a From 2014.......
b From 2015.......
c From 2016.......
d From 2017.......
e From 2018.......
fTotal of lines 3a through e
g Applied to underdistributions of prior years
h Applied to 2019 distributable amount
i Carryover from 2014 not applied (see instructions)
j Remainder. Subtract lines 3g, 3h, and 3i from 3f.
4Distributions for 2019 from Section D, line 7:
$
a Applied to underdistributions of prior years
b Applied to 2019 distributable amount
c Remainder. Subtract lines 4a and 4b from 4.
5 Remaining underdistributions for years prior to 2019, if any. Subtract lines 3g and 4a from line 2. If the amount is greater than zero, explain in Part VI. See instructions.
6 Remaining underdistributions for 2019. Subtract lines 3h and 4b from line 1. If the amount is greater than zero, explain in Part VI. See instructions.
7 Excess distributions carryover to 2020. Add lines 3j and 4c.
8 Breakdown of line 7:
a Excess from 2015.....
b Excess from 2016.....
c Excess from 2017.....
d Excess from 2018.....
e Excess from 2019.....

Schedule A (Form 990 or 990-EZ) (2019)

Schedule A (Form 990 or 990-EZ) 2019

Page 8

Part VI

Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; Part III, line 12; Part IV, Section A, lines 1, 2, 3b, 3c, 4b, 4c, 5a, 6, 9a, 9b, 9c, 11a, 11b, and 11c; Part IV, Section B, lines 1 and 2; Part IV, Section C, line 1; Part IV, Section D, lines 2 and 3; Part IV, Section E, lines 1c, 2a, 2b, 3a and 3b; Part V, line 1; Part V, Section B, line 1e; Part V Section D, lines 5, 6, and 8; and Part V, Section E, lines 2, 5, and 6. Also complete this part for any additional information. (See instructions).

Facts And Circumstances Test

Return Reference	Explanation
SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:	INCOME FROM ACTIVITIES NOT REGULARLY CARRIED ON

Schedule A (Form 990 or 990-EZ) 2019

Additional Data

Software ID:
Software Version:

- TIN:

Schedule B
(Form 990, 990-EZ,
or 990-PF)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2019

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Arrow Bullet

Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2019)

Schedule B (Form 990, 990-EZ, or 990-PF) (2019) Page 2

Name of organization NATIONAL FOUNDATION FOR CREDIT COUNSELING INC

Part I Contributors	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	,	$ RESTRICTED	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2019)

Schedule B (Form 990, 990-EZ, or 990-PF) (2019)

Page 3

Name of organization NATIONAL FOUNDATION FOR CREDIT COUNSELING INC		Employer identification number 53-0132493

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990, 990-EZ, or 990-PF) (2019)

Schedule B (Form 990, 990-EZ, or 990-PF) (2019)

Page 4


Name of organization NATIONAL FOUNDATION FOR CREDIT COUNSELING INC			Employer identification number 53-0132493
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990, 990-EZ, or 990-PF) (2019)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE C
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527

SchCMd Bullet

Complete if the organization is described below. SchCMd Bullet

Attach to Form 990 or Form 990-EZ.
SchCMd Bullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2019

Open to Public
Inspection

If the organization answered "Yes" on Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet

Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet

Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet

Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" on Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet

Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet

Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" on Form 990, Part IV, Line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (Proxy Tax) (see separate instructions), then
Round Bullet

Section 501(c)(4), (5), or (6) organizations: Complete Part III.

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Part I-A

Complete if the organization is exempt under section 501(c) or is a section 527 organization.

Provide a description of the organization’s direct and indirect political campaign activities in Part IV (see instructions for definition of “political campaign activities")

Political campaign activity expenditures (see instructions) .................................................................... SchCMd Bullet

Volunteer hours for political campaign activities (see instructions) ..................................................................

Part I-B

Complete if the organization is exempt under section 501(c)(3).

Enter the amount of any excise tax incurred by the organization under section 4955 ................................ SchCMd Bullet

Enter the amount of any excise tax incurred by organization managers under section 4955 ....................... SchCMd Bullet

If the organization incurred a section 4955 tax, did it file Form 4720 for this year? .........................................

Yes No

Was a correction made? ......................................................................................................................

Yes No

If "Yes," describe in Part IV.

Part I-C

Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt function activities ..... SchCMd Bullet

Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ............................................................................................................................ SchCMd Bullet

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b........... SchCMd Bullet

Did the filing organization file Form 1120-POL for this year? ...................................................................

Yes No

Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.
1
2
3
4
5
6

For Paperwork Reduction Act Notice, see the instructions for Form 990 or 990-EZ.

Cat. No. 50084S

Schedule C (Form 990 or 990-EZ) 2019

Page 2

Part II-A

Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).

A Check SchCMd Bullet

if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group member's name, address, EIN, expenses, and share of excess lobbying expenditures).
B Check SchCMd Bullet

if the filing organization checked box A and "limited control" provisions apply.

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(a) Filing organization's totals	(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................	20,978
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................	20,978
d	Other exempt purpose expenditures ...............................................................................	8,367,953
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................	8,388,931
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.	569,447
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................	142,362
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................	0
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................	0
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................		Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2016	(b) 2017	(c) 2018	(d) 2019	(e) Total

2a	Lobbying nontaxable amount	672,539	748,402	637,046	569,447	2,627,434

b	Lobbying ceiling amount (150% of line 2a, column(e))					3,941,151

c	Total lobbying expenditures	31,657	85,246	23,343	20,978	161,224

d	Grassroots nontaxable amount	168,135	187,101	159,262	142,362	656,860

e	Grassroots ceiling amount (150% of line 2d, column (e))					985,290

f	Grassroots lobbying expenditures

Schedule C (Form 990 or 990-EZ) 2019

Page 3

Part II-B

Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).

For each "Yes" response on lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.

(a)

Yes|No

(b)

Amount

During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:

Volunteers? ...........................................................................................................

Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ........

Media advertisements? ...................................................................................................

Mailings to members, legislators, or the public? .............................................................................

Publications, or published or broadcast statements? ...........................................................

Grants to other organizations for lobbying purposes? ..........................................................

Direct contact with legislators, their staffs, government officials, or a legislative body? .......................

Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ..................

Other activities? ...................................................................................................................

Total. Add lines 1c through 1i ....................................................................................................

Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....

If "Yes," enter the amount of any tax incurred under section 4912 ...........................................

If "Yes," enter the amount of any tax incurred by organization managers under section 4912 ...................

If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? ........................

Part III-A

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).

Yes

Were substantially all (90% or more) dues received nondeductible by members? ...............................................

Did the organization make only in-house lobbying expenditures of $2,000 or less? ............................................

Did the organization agree to carry over lobbying and political expenditures from the prior year? .................................

Part III-B

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."

Dues, assessments and similar amounts from members ......................................................................

Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political expenses for which the section 527(f) tax was paid).

Current year .............................................................................................................................

Carryover from last year ............................................................................................................

Total ...........................................................................................................................................

Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .

If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ......................................................................................................................

Taxable amount of lobbying and political expenditures (see instructions) .........................................

Part IV

Supplemental Information

Provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, lines 1 and 2 (see instructions), and Part ll-B, line 1. Also, complete this part for any additional information.

Return Reference	Explanation

Schedule C (Form 990 or 990EZ) 2019

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
SchDMd Bullet

Attach to Form 990.
SchDMd Bullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2019

Open to Public Inspection

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

		(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ........

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds are the organization’s property, subject to the organization’s exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements.
Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 7/25/06, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year SchDMd Bullet

Number of states where property subject to conservation easement is located SchDMd Bullet

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under FASB ASC 958, not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under FASB ASC 958, to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... SchDMd Bullet

(ii)

Assets included in Form 990, Part X ............................... SchDMd Bullet

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under FASB ASC 958 relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... SchDMd Bullet

Assets included in Form 990, Part X ............................... SchDMd Bullet

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) 2019

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability? ...

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ....

Part V

Endowment Funds.
Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a) Current year	(b) Prior year	(c) Two years back	(d) Three years back	(e) Four years back

1a	Beginning of year balance ....
b	Contributions ...
c	Net investment earnings, gains, and losses
d	Grants or scholarships ...
e	Other expenditures for facilities and programs ...
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment SchDMd Bullet

Permanent endowment SchDMd Bullet

Term endowment SchDMd Bullet

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) Unrelated organizations .................

3a(i)

(ii) Related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b) Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land .....
b	Buildings ....
c	Leasehold improvements	520,866	438,302	82,564
d	Equipment ....	61,514	50,441	11,073
e	Other .....	867,063	728,162	138,901
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				232,538

Schedule D (Form 990) 2019

Page 3

Part VII

InvestmentsOther Securities.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b) Book value	(c) Method of valuation: Cost or end-of-year market value
(1) Financial derivatives.........
(2) Closely-held equity interests........
(3)Other
(B)
(C)
(D)
(E)
(F)
(G)
(H)
(I)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

InvestmentsProgram Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value

(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)	157,303
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) 2019

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......		1	9,771,544
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................		2e	0
3	Subtract line 2e from line 1..................		3	9,771,544
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b....................		4c	0
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......		5	9,771,544

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........		1	8,346,975
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d....................		2e	0
3	Subtract line 2e from line 1...................		3	8,346,975
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIII.) ............	4b
c	Add lines 4a and 4b.....................		4c	0
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......		5	8,346,975

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b; Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation

Schedule D (Form 990) 2019

Additional Data

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Schedule I
(Form 990)

Department of the Treasury
Internal Revenue Service

Grants and Other Assistance to Organizations,
Governments and Individuals in the United States

Complete if the organization answered "Yes," on Form 990, Part IV, line 21 or 22.
lBullet

Attach to Form 990.
lBullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2019

Open to Public
Inspection

Name of the organization
NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number
53-0132493

Part I

General Information on Grants and Assistance

Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ........................

Yes No

Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.

Part II

Grants and Other Assistance to Domestic Organizations and Domestic Governments. Complete if the organization answered "Yes" on Form 990, Part IV, line 21, for any recipient

that received more than $5,000. Part II can be duplicated if additional space is needed.

(a) Name and address of organization or government	(b) EIN	(c) IRC section (if applicable)	(d) Amount of cash grant	(h) Purpose of grant or assistance
(1) INCHARGE DEBT SOLUTION 5750 MAJOR BLVD SUITE 300 ORLANDO,FL32819	33-0770440	501 (C) (3)	189,281	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(2) CONSUMER CREDIT COUNSELING SERVICE OF PUERTO RICO 1607 PONCE DELEON COBIANS PLAZA STE GM09 SAN JUAN,PR00909	66-0471798	501 (C) (3)	158,507	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(3) TAKE CHARGE AMERICA 20620 N 19TH AVE PHOENIX,AZ85027	86-0593598	501 (C) (3)	149,020	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(4) MONEY MANAGEMENT INTERNATIONAL 14141 SOUTHWEST FREEWAY SUITE 1000 SUGAR LAND,TX77478	54-1837741	501 (C) (3)	143,010	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(5) CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OHIO 690 TAYLOR RD STE 110 GAHANNA,OH43230	31-0731111	501 (C) (3)	115,087	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(6) FAMILY SERVICE ASSOCIATION 1930 N 8TH ST STE 100 SHEBOYGAN,WI53081	39-1945061	501 (C) (3)	102,668	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(7) NORTH SEATTLE COMMUNITY COLLEGE FOUNDATION 2815 2ND AVENUE SUITE 280 SEATTLE,WA98121	91-1163554	501 (C) (3)	97,633	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(8) AMERICAN CONSUMER CREDIT COUNSELING 130 RUMFORD AVE SUITE 202 AUBURNDALE,MA02466	04-3166982	501 (C) (3)	87,362	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(9) GARDEN STATE CONSUMER CREDIT COUNSELING INC 225 WILLOWBROOK RD FREEHOLD,NJ07728	22-3120920	501 (C) (3)	81,070	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(10) CONSUMER DEBT COUNSELORS INC 831 W MORSE BLVD WINTER PARK,FL32789	59-3458266	501 (C) (3)	61,114	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(11) CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 1608 WALNUT ST 10TH FLR PHILADELPHIA,PA19103	23-1671903	501 (C) (3)	53,227	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(12) CONSUMER CREDIT COUNSELING SERVICE OF BUFFALO 40 GARDENVILLE PKWY STE 300 WEST SENECA,NY14224	16-0909583	501 (C) (3)	48,910	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(13) GREENPATH INC 7442 SOLUTION CENTER CHICAGO,IL60677	38-6142925	501 (C) (3)	47,772	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(14) CONSUMER EDUCATION SERVICES INC 3700 BARRETT DR RALEIGH,NC27609	56-2106758	501 (C) (3)	42,004	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(15) SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC 4351 LATHAM STREET RIVERSIDE,CA92501	33-0656671	501 (C) (3)	41,617	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(16) CONSUMER CREDIT COUNSELING SERVICE OF NORTHERN ILLINOIS INC 13707 W JACKSON ST SUITE B WOODSTOCK,IL60098	36-3185383	501 (C) (3)	41,296	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(17) ADVANTAGE CREDIT COUNSELING SERVICE INC 2403 SIDNEY ST STE 400 PITTSBURGH,PA15203	25-1201741	501 (C) (3)	39,782	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(18) HOUSING AND CREDIT COUNSELING INC 1195 SW BUCHANAN STE 101 TOPEKA,KS66604	48-0822466	501 (C) (3)	37,299	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(19) CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE 757 FREDERICK RD 2ND FLR BALTIMORE,MD21228	52-0846275	501 (C) (3)	37,022	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(20) LUTHERAN SOCIAL SERVICE OF MINNESOTA 424 W SUPERIOR ST STE 600 DULUTH,MN55802	41-0872993	501 (C) (3)	33,252	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(21) CREDIT ADVISORS FOUNDATION 1818 S 72ND ST OMAHA,NE68124	47-0751100	501 (C) (3)	31,563	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(22) CONSUMER CREDIT COUNSELING SERVICE INC 1201 W WALNUT SALINA,KS67401	48-0995970	501 (C) (3)	29,775	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(23) CONSUMER CREDIT COUNSELING SERVICE OF THE SAVANNAH AREA INC 7505 WATERS AVE PARK SOUTH STE C-11 C-11 SAVANNAH,GA31406	58-0958705	501 (C) (3)	26,183	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(24) FAMILY FOUNDATIONS OF NORTHEAST FLORIDA INC 1639 ATLANTIC BLVD JACKSONVILLE,FL32207	59-0768265	501 (C) (3)	25,639	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(25) CONSUMER CREDIT COUNSELING OF SPRINGFIELD MISSOURI INC 1515 S GLENSTONE SPRINGFIELD,MO65804	43-1483251	501 (C) (3)	23,275	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(26) TABOR COMMUNITY SERVICES INC 308 EAST KING STREET LANCASTER,PA17602	23-1731792	501 (C) (3)	21,682	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(27) CONSUMER CREDIT COUNSELING SERVICE OF ROCHESTER 1000 UNIVERSITY AVENUE SUITE 900 ROCHESTER,NY14607	16-0972260	501 (C) (3)	20,276	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(28) FAMILY COUNSELING CENTER OF MOBILE 705 OAK CIRCLE DRIVE EAST MOBILE,AL36609	63-0388685	501 (C) (3)	20,005	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(29) JC VISION AND ASSOCIATES INC PO BOX 1972 HINESVILLE,GA31313	58-2525433	501 (C) (3)	19,910	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(30) TRIANGLE FAMILY SERVICES 3937 WESTERN BLVD RALEIGH,NC27606	56-0547491	501 (C) (3)	16,381	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(31) CREDIT COUNSELING OF ARKANSAS 1111 ZION ROAD FAYETTEVILLE,AR72703	71-0772094	501 (C) (3)	15,583	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(32) CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN OREGON INC 820 CRATER LK AVE STE 202 MEDFORD,OR97440	93-0585893	501 (C) (3)	15,178	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(33) CONSUMER CREDIT COUNSELING SERVICE OF FORSYTH COUNTY 7820 N POINT BLVD STE 100 WINSTON SALEM,NC27106	56-1015074	501 (C) (3)	14,423	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(34) GRACEWORKS LUTHERAN SERVICES 660 S MAIN ST STE 1S061 DAYTON,OH45402	31-1325015	501 (C) (3)	13,352	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(35) LUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA INC 705 E 41ST ST STE 100 SIOUX FALLS,SD57105	46-0224731	501 (C) (3)	12,916	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(36) CONSUMER CREDIT COUNSELING SERVICE OF WESTERN NORTH CAROLINA INC 50 S FRENCH BROAD AVE STE 212 ASHEVILLE,NC28801	56-1056077	501 (C) (3)	11,094	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(37) CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN IOWA 1003 W 4TH ST WATERLOO,IA50702	42-1236403	501 (C) (3)	10,949	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(38) CHESTNUT HEALTH SYSTEMS INC 1003 MARTIN LUTHER KING DR BLOOMINGTON,IL61701	42-1692441	501 (C) (3)	9,741	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(39) FAMILY GUIDANCE CENTER 17 HWY 70 SE HICKORY,NC28602	56-6020417	501 (C) (3)	8,195	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(40) FAMILYMEANS 1875 NORTHWESTERN AVENUE STILLWATER,MN55082	41-6045574	501 (C) (3)	6,625	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(41) GOODWILL INDUSTRIES OF NORTH CENTRAL WISCONSIN 1800 APPLETON RD PO BOX 335 MENASHA,WI54952	39-1496649	501 (C) (3)	5,735	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT
(42) THE FAMILY CENTER OF COLUMBUS INC PO BOX 1825 COLUMBUS,GA31902	58-0828094	501 (C) (3)	5,142	HOUSING, FINANCIAL EDUCATION, AND PROGRAM SUPPORT

Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................. Bullet Image

Enter total number of other organizations listed in the line 1 table ........................ . Bullet Image

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) 2019

Page 2

Part III

Grants and Other Assistance to Domestic Individuals. Complete if the organization answered "Yes" on Form 990, Part IV, line 22.
Part III can be duplicated if additional space is needed.

(a) Type of grant or assistance	(b) Number of recipients	(c) Amount of cash grant	(d) Amount of noncash assistance	(e) Method of valuation (book, FMV, appraisal, other)	(f) Description of noncash assistance

(1)
(2)
(3)
(4)
(5)
(6)
(7)

Part IV

Supplemental Information. Provide the information required in Part I, line 2; Part III, column (b); and any other additional information.

Return Reference	Explanation
PART I, LINE 2:	THE NFCC PERFORMS PERIODIC COMPLIANCE REVIEWS OF THE SUPPORTING DOCUMENTATION FOR THE FUNDS USED AND TAKES APPROPRIATE CORRECTIVE ACTION IF USAGE DOES COMPLY WITH THE GRANT REQUIREMENTS.

Schedule I (Form 990) 2019

Additional Data

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Schedule J
(Form 990)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet

Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
SchJMediumBullet

Attach to Form 990.
SchJMediumBullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2019

Open to Public Inspection

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on Line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .........

Yes

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked on Line 1a? ..

Yes

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a, with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? .............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ....................

Any related organization? .......................

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ..................

Any related organization? ......................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any nonfixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III ..........................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) 2019

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2 and/or 1099-MISC compensation			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1REBECCA STEELE CEO	(i) (ii)	444,803 ------------- 0	45,833 ------------- 0	29,063 ------------- 0	135,790 ------------- 0	14,423 ------------- 0	669,912 ------------- 0	0 ------------- 0
2JEFFREY FAULKNER COO/CFO	(i) (ii)	244,950 ------------- 0	0 ------------- 0	0 ------------- 0	74,218 ------------- 0	27,513 ------------- 0	346,681 ------------- 0	0 ------------- 0
3PETER KLIPA SVP, CREDITOR RELATIONS	(i) (ii)	143,800 ------------- 0	2,818 ------------- 0	0 ------------- 0	8,846 ------------- 0	15,806 ------------- 0	171,270 ------------- 0	0 ------------- 0
4ELLEN GOURY VP, FINANCE	(i) (ii)	134,912 ------------- 0	3,125 ------------- 0	0 ------------- 0	13,415 ------------- 0	21,334 ------------- 0	172,786 ------------- 0	0 ------------- 0
5SHERRILL BERK SVP, STRATEGIC PARTNERSHIPS	(i) (ii)	135,433 ------------- 0	3,046 ------------- 0	348 ------------- 0	8,466 ------------- 0	13,737 ------------- 0	161,030 ------------- 0	0 ------------- 0
6MATT RIBE GEN. COUNSEL & STRATEGIC PROJECTS	(i) (ii)	115,550 ------------- 0	16,129 ------------- 0	2,048 ------------- 0	7,287 ------------- 0	17,091 ------------- 0	158,105 ------------- 0	0 ------------- 0

Schedule J (Form 990) 2019

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation
PART I, LINE 1A	REBECCA STEELE RECEIVED A FLAT AMOUNT EVERY MONTH FOR A YEAR TO COVER HER TEMPORARY HOUSING AS SHE WAS COMMUTING TO DC. THESE AMOUNTS WERE INCLUDED IN HER W-2 WAGES.

Schedule J (Form 990) 2019

Additional Data

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Software Version:

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SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2019

Open to Public
Inspection

Name of the organization

NATIONAL FOUNDATION FOR CREDIT
COUNSELING INC

Employer identification number

53-0132493

Return Reference	Explanation
FORM 990, PART III, LINE 2	THE DEBT REDUCTION PROGRAM EXPANDS THE NUMBER OF DEBT MANAGEMENT PROGRAM PRODUCTS AVAILABLE TO CONSUMERS TO PROVIDE MORE, ACCESSIBLE DEBT MANAGEMENT OPTIONS. THE NEW DEBT MANAGEMENT PLAN PROGRAM TYPES WILL GREATLY EXPAND THE NUMBER OF CONSUMERS WHO HAVE ACCESS TO EDUCATIONAL RESOURCES AND DEBT MANAGEMENT TOOLS TO ADDRESS UNSECURED DEBT. THE DEBT REDUCTION PROGRAM PROVIDES CONSTRUCTIVE ALTERNATIVES TO DEBT SETTLEMENT AND BANKRUPTCY, WHICH CAN SEVERELY HARM CONSUMER FINANCES. THE ENVISIONING HOMEOWNERSHIP PROGRAM USES A NEW, VALUE-DRIVEN FEE MODEL TO INCREASE HOMEOWNERSHIP LEVELS AMONGST LOW TO MODERATE INCOME POPULATIONS. THIS PROGRAM WORKS DIRECTLY WITH INDIVIDUALS TO EDUCATE THEM ON THE HOMEBUYING PROCESS AND DELIVER INDIVIDUAL FINANCIAL COUNSELING AND EDUCATION TO IMPROVE THEIR FINANCES AND CREDIT SO THEY CAN QUALIFY FOR A SUSTAINABLE, SAFE MORTGAGE PRODUCT AND BECOME HOMEOWNERS.
FORM 990, PART V, LINE 2B:	NFCC'S EMPLOYEES ARE CONTRACTED THROUGH JUSTWORKS, A PROFESSIONAL EMPLOYER ORGANIZATION. JUSTWORKS IS RESPONSIBLE FOR FILING ALL RELATED EMPLOYMENT TAX FORMS, INCLUDING THE W3.
FORM 990, PART VI, SECTION A, LINE 1	THE BOARD EXECUTIVE COMMITTEE IS RESPONSIBLE FOR CONDUCTING THE BUSINESS OF, AND HAS THE POWER AND AUTHORITY TO ACT ON BEHALF OF, THE BOARD IN BETWEEN THE MEETINGS OF THE BOARD.
FORM 990, PART VI, SECTION A, LINE 6	THE NFCC BYLAWS PROVIDE, IN RELEVANT PART, THE FOLLOWING: CLASSES: THE FOUNDATION SHALL HAVE ONE CLASS OF MEMBERS IN ORDER TO BE A MEMBER AN ORGANIZATION MUST: BE TAX EXEMPT UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. BE DULY QUALIFIED AND EXISTING UNDER THE LAWS OF THE DISTRICT OF COLUMBIA, OR ANY STATES OR TERRITORY OF THE UNITED STATES OF AMERICA. PROVIDE FINANCIAL COUNSELING SERVICES AND ACT IN COMPLIANCE WITH ALL APPLICABLE FEDERAL AND STATE LAWS AND REGULATIONS. BE ACCREDITED BY THE COUNCIL ON ACCREDITATION OR HAVE SUBMITTED APPLICATION AND INITIAL PAYMENT. COMPLY WITH THE NFCC'S MEMBER QUALITY STANDARDS.
FORM 990, PART VI, SECTION A, LINE 7A	THE NFCC BYLAWS PROVIDE, IN RELEVANT PART: ARTICLE II, SECTION 7: ANNUAL MEETING: THE ANNUAL MEETING OF MEMBERS SHALL BE HELD PRIOR TO NOVEMBER 1 OF EACH YEAR, AND SHALL BE FOR THE PURPOSE OF ELECTING MEMBER-REPRESENTATIVE TRUSTEES TO THE BOARD, RATIFYING THE ELECTION OF AT-LARGE TRUSTEES TO THE BOARD, ELECTING MEMBERS OF THE COUNCIL ON MEMBER AFFAIRS, AND FOR THE TRANSACTION OF SUCH OTHER BUSINESS AS MAY COME BEFORE THE MEETING. ARTICLE III, SECTION 4: ELECTION OF AT-LARGE TRUSTEES: EXCEPT AS OTHERWISE SET FORTH IN THIS ARTICLE, NOMINEES FOR AT-LARGE TRUSTEES SHALL BE RECOMMENDED TO THE BOARD BY THE NOMINATING COMMITTEE AND SHALL BE ELECTED BY A MAJORITY VOTE OF THE BOARD AND SUBJECT TO RATIFICATION BY MEMBERS AT THE NEXT ANNUAL MEETING OF MEMBERS. THE SLATE OF AT-LARGE TRUSTEES SHALL BE DISTRIBUTED TO MEMBERS AT LEAST FIFTEEN (15) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. AT THE ANNUAL MEETING OF MEMBERS, MEMBERS SHALL BE ENTITLED TO VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES BY BALLOT LISTING THE AT-LARGE TRUSTEES SUBJECT TO RATIFICATION. MEMBERS MAY VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES OR WITHHOLD THEIR VOTE TO RATIFY THE ELECTION OF AT-LARGE TRUSTEES EITHER AS A SLATE OF AT-LARGE TRUSTEES OR AS INDIVIDUAL AT-LARGE TRUSTEES. FOR PURPOSES OF SECTION 3 OF THIS ARTICLE, THE TERM OF OFFICE FOR AN AT-LARGE TRUSTEE SHALL BEGIN AT THE CONCLUSION OF THE ANNUAL MEETING OF MEMBERS AT WHICH THE AT-LARGE TRUSTEE IS RATIFIED BY MEMBERS. SECTION 5: ELECTION OF MEMBER-REPRESENTATIVE TRUSTEES: EXCEPT AS OTHERWISE SET FORTH IN THIS ARTICLE, MEMBER-REPRESENTATIVE TRUSTEES SHALL BE ELECTED BY MEMBERS AT THE ANNUAL MEETING OF MEMBERS FROM A LIST OF ELIGIBLE CANDIDATES WHO HAVE EXPRESSED THEIR WRITTEN INTENTION TO STAND FOR ELECTION TO THE SECRETARY OF THE OPERATING COMMITTEE AT LEAST THIRTY (30) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. THAT LIST SHALL BE DISTRIBUTED TO MEMBERS AT LEAST FIFTEEN (15) DAYS PRIOR TO THE ANNUAL MEETING OF MEMBERS. ALL ELIGIBLE CANDIDATES SHALL APPEAR ON A SINGLE BALLOT, AND THE CANDIDATES RECEIVING THE HIGHEST TOTAL NUMBER OF VOTES SHALL BE ELECTED TO THE OPEN POSITIONS, RESPECTIVELY, FOR THE TERM DESIGNATED BY THIS ARTICLE. TO BE AN ELIGIBLE CANDIDATE UNDER THIS SECTION, A CANDIDATE MUST BE THE VOTING REPRESENTATIVE OF A MEMBER IN GOOD STANDING. MEMBERS OF THE OPERATING COMMITTEE ARE NOT ELIGIBLE TO BE CANDIDATES FOR ELECTION AS MEMBER-REPRESENTATIVE TRUSTEES.
FORM 990, PART VI, SECTION A, LINE 7B	SEE LINE 7A.
FORM 990, PART VI, SECTION B, LINE 11B	THE IRS FORM 990 IS INITIALLY PREPARED BY THE NFCC'S PUBLIC ACCOUNTING FIRM, WITH INPUT AND REVIEW BY COUNSEL. NFCC STAFF THEN FINALIZES THE FORM WITH INPUT FROM THE BOARD TREASURER. THE FINALIZED FORM IS THEN PRESENTED TO THE BOARD OF TRUSTEES.
FORM 990, PART VI, SECTION B, LINE 12C	PLEASE NOTE THAT ALL TRUSTEES, OFFICERS AND COMMITTEE MEMBERS ("INTERESTED PERSONS") ARE SUBJECT TO THE CONFLICT OF INTEREST POLICY AND ARE REQUIRED TO ANNUALLY AFFIRM HAVING RECEIVED, READ AND UNDERSTOOD THE POLICY AND HAVE AGREED TO COMPLY WITH THE POLICY. THE POLICY, IN RELEVANT PART, REQUIRES: DISCLOSURE REQUIREMENT: IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICT, AN INTERESTED PERSON MUST DISCLOSE THE EXISTENCE OF THE FINANCIAL INTEREST AND BE GIVEN THE OPPORTUNITY TO DISCLOSE ALL MATERIAL FACTS TO THE TRUSTEES AND/OR COMMITTEE MEMBERS CONSIDERING THE PROPOSED TRANSACTION OR ARRANGEMENT. CONFLICT DETERMINATION BY BOARD: FOLLOWING FULL DISCLOSURE OF AN ACTUAL OR POSSIBLE CONFLICT, AND AFTER ANY DISCUSSION WITH THE INTERESTED PERSON, HE/SHE SHALL LEAVE THE BOARD OR COMMITTEE MEETING, AS THE CASE MAY BE, WHILE THE DETERMINATION OF A CONFLICT IS DISCUSSED AND VOTED UPON. THE REMAINING BOARD OR COMMITTEE MEMBERS SHALL DECIDE IF A CONFLICT EXISTS. THE POLICY FURTHER SPECIFIES THE PROCEDURE FOR ADDRESSING CONFLICTS THAT ARISE AND VIOLATIONS OF THE POLICY. PROCEDURES FOR ADDRESSING POSSIBLE CONFLICTS: (A) AN INTERESTED PERSON MAY MAKE A PRESENTATION AT THE BOARD OR COMMITTEE MEETING, BUT AFTER THE PRESENTATION, HE/SHE SHALL LEAVE THE MEETING DURING THE DISCUSSION OF, AND THE VOTE ON, THE TRANSACTION OR ARRANGEMENT INVOLVING THE ACTUAL OR POSSIBLE CONFLICT. (B) THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, MAY, IF APPROPRIATE, APPOINT ONE OR MORE DISINTERESTED PERSONS OR COMMITTEE TO INVESTIGATE ALTERNATIVES TO THE PROPOSED TRANSACTION OR ARRANGEMENT. (C) AFTER EXERCISING DUE DILIGENCE, THE BOARD OR COMMITTEE, AS THE CASE MAY BE, WILL DETERMINE WHETHER THE NFCC CAN OBTAIN WITH REASONABLE EFFORTS A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT FROM A PERSON OR ENTITY THAT WOULD NOT GIVE RISE TO A CONFLICT. (D) IF A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT IS NOT REASONABLY POSSIBLE UNDER THE CIRCUMSTANCES WITHOUT PRODUCING A CONFLICT, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, WILL DETERMINE, BY A MAJORITY VOTE OF THE DISINTERESTED MEMBERS, (I) WHETHER THE TRANSACTION OR ARRANGEMENT IS IN THE NFCC'S BEST INTEREST FOR ITS OWN BENEFIT, AND (II) WHETHER ITS TERMS AND CONDITIONS ARE FAIR AND REASONABLE. IN CONFORMITY WITH THE ABOVE DETERMINATIONS, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, WILL MAKE ITS DECISION AS TO WHETHER TO AUTHORIZE THE NFCC TO ENTER INTO THE TRANSACTION OR ARRANGEMENT. VIOLATIONS OF THE CONFLICTS OF INTEREST POLICY: (A) IF THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, HAS REASONABLE CAUSE TO BELIEVE A PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT, IT WILL INFORM THE PERSON OF THE BASIS FOR THAT BELIEF AND AFFORD THE PERSON AN OPPORTUNITY TO EXPLAIN THE ALLEGED FAILURE TO DISCLOSE. (B) IF, AFTER HEARING THE PERSON'S RESPONSE AND MAKING FURTHER INVESTIGATION AS WARRANTED BY THE CIRCUMSTANCES, THE BOARD OR THE COMMITTEE, AS THE CASE MAY BE, DETERMINES THAT THE PERSON HAS FAILED TO DISCLOSE AN ACTUAL OR POSSIBLE CONFLICT, IT WILL TAKE APPROPRIATE DISCIPLINARY AND CORRECTIVE ACTION.
FORM 990, PART VI, SECTION B, LINE 15	THE NATIONAL FOUNDATION FOR CREDIT COUNSELING'S BOARD OF TRUSTEES ENACTED THE FOLLOWING POLICY ON THE PROCESS OF DETERMINING COMPENSATION FOR THE NFCC'S PRESIDENT AND CHIEF EXECUTIVE OFFICER; AND OTHER OFFICERS AND KEY EMPLOYEES OF THE NFCC WHOSE COMPENSATION IS REQUIRED TO BE DISCLOSED ON FORM 990. THE PROCESS INCLUDES ALL OF THE FOLLOWING ELEMENTS: 1. REVIEW AND APPROVAL: (A) COMPENSATION OF THE PRESIDENT AND CHIEF EXECUTIVE OFFICER IS REVIEWED AND APPROVED BY THE NFCC'S PERSONNEL COMMITTEE, PROVIDED THAT PERSONS WITH CONFLICTS OF INTEREST WITH RESPECT TO THE COMPENSATION ARRANGEMENT AT ISSUE ARE NOT INVOLVED IN THIS REVIEW AND APPROVAL. (B) COMPENSATION OF THE OTHER OFFICERS AND KEY EMPLOYEES IS APPROVED BY THE PRESIDENT AND CHIEF EXECUTIVE OFFICER AND OVERALL STAFF COMPENSATION IS REVIEWED ON AN ANNUAL BASIS BY THE NFCC'S BOARD OF TRUSTEES OR THE PERSONNEL COMMITTEE. 2. USE OF DATA AS TO COMPARABLE COMPENSATION: THE COMPENSATION OF THE PERSON IS REVIEWED AND APPROVED USING DATA AS TO COMPARABLE COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN FUNCTIONALLY COMPARABLE POSITIONS AT SIMILARLY SITUATED ORGANIZATIONS. 3. CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING: THERE IS CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DELIBERATIONS AND DECISIONS REGARDING THE COMPENSATION ARRANGEMENT.
FORM 990, PART VI, SECTION C, LINE 19	NFCC DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC.
FORM 990, PART XII, LINE 2C:	THE AUDIT OVERSIGHT PROCESS HAS REMAINED UNCHANGED FROM THE PRIOR YEAR.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2019

Additional Data

Software ID:
Software Version:

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	2,844,700	6,452,638
9	Program service revenue (Part VIII, line 2g) .........	3,183,090	3,298,171
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	4,191	14,994
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	11,865	5,741
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	6,043,846	9,771,544
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	3,036,224	2,104,145
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	2,604,843	2,887,726
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 277,671
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	4,099,854	3,355,104
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	9,740,921	8,346,975
19	Revenue less expenses. Subtract line 18 from line 12.......	-3,697,075	1,424,569
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	5,472,477	6,410,619
21	Total liabilities (Part X, line 26).............	1,490,747	1,004,320
22	Net assets or fund balances. Subtract line 21 from line 20.....	3,981,730	5,406,299

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 2,303,592 including grants of $ 11,904 ) (Revenue $ 1,294,163 )
	MEMBERSHIP SUPPORT: BEGAN DEVELOPMENT OF NEW PRODUCTS AND SERVICES FOR MEMBER AGENCIES TO BETTER SERVE CONSUMERS, INCLUDING THE DEBT REDUCTION PROGRAM WHICH EXPANDS DEBT MANAGEMENT PLAN PRODUCTS, AND ENVISIONING HOMEOWNERSHIP, A NEW APPROACH TO PRE-PURCHASE HOUSING COUNSELING. CONVENE ANNUAL MEMBER MEETING AND CONFERENCE, DEVELOP AND REVISE EXISTING COUNSELOR CERTIFICATION AND MEMBER ACCREDITATION RESOURCES. BUILD CONSUMER AWARENESS OF MEMBER SERVICES AND FACILITATE LOCATOR CONNECTIONS TO MEMBERS.

4b	(Code: ) (Expenses $ 1,646,650 including grants of $ 601,724 ) (Revenue $ )
	HOUSING COUNSELING: DEVELOP AND MAINTAIN PARTNERSHIPS WITH THE FEDERAL GOVERNMENT AND INDUSTRY LEADERS, INCLUDING MORTGAGE LENDERS AND SERVICERS, TO HELP NFCC MEMBERS PROVIDE INDIVIDUAL AND GROUP EDUCATION SESSION ON WIDE VARIETY OF HOUSING ISSUES, FROM HOMELESS AND RENTAL COUNSELING TO PRE-HOME OWNERSHIP, DEFAULT AND REVERSE MORTGAGE COUNSELING. IN 2018, THE NFCC STARTED A PROGRAM SPECIFICALLY FOCUSED ON EXPANDED PRE-PURCHASE COUNSELING FOR PROSPECTIVE HOMEBUYERS.

4c	(Code: ) (Expenses $ 838,335 including grants of $ 415,292 ) (Revenue $ )
	SMALL BUSINESS OWNER COUNSELING: IN 2017, THE NFCC BEGAN DEVELOPMENT OF A NATIONAL SMALL BUSINESS OWNER COUNSELING PROGRAM WHICH WAS INITIALLY INTEGRATED INTO THE SHARPEN YOUR FINANCIAL FOCUS INITIATIVE. IN 2018, THE NFCC EXPANDED THE PROGRAM TO A MULTI-PART COACHING PROGRAM. EXPENSES RELATING TO THIS INITIATIVE, TO INCLUDE PROGRAM DEVELOPMENT, MANAGEMENT AND TRAINING OF MEMBER AGENCIES ARE INCLUDED IN THIS SERVICE LINE.

	(Code: ) (Expenses $ 560,325 including grants of $ 407,217 ) (Revenue $ 1,989,090 )
	GENERAL FINANCIAL EDUCATION: DEVELOP AND DISTRIBUTE EDUCATIONAL MATERIALS ON THE RESPONSIBLE USE OF CREDIT; SUPPORT COALITIONS OF ORGANIZATIONS NATIONALLY TO ADDRESS NEED FOR PERSONAL FINANCIAL LITERACY. SINCE 2013, THE FOUNDATION HAS DEVELOPED AND SUPPORTED THE USE OF THE SHARPEN YOUR FINANCIAL FOCUS INITIATIVE TO ASSIST CONSUMERS WITH DEBT RESOLUTION AND OTHER FINANCIAL CHALLENGES. IN 2015, THE FOUNDATION EXPANDED THE INITIATIVE TO ASSIST CONSUMERS WITH STUDENT LOAN DEBT IN MANAGING THEIR FINANCIAL BURDENS. IN 2018, THE FOUNDATION DEVELOPED A MULTI-PART PROGRAM DEDICATED TO SMALL BUSINESS OWNERS ON FINANCIAL LITERACY AND BUSINESS MANAGEMENT.

	(Code: ) (Expenses $ 496,492 including grants of $ 348,042 ) (Revenue $ )
	MILITARY FINANCIAL EDUCATION: DEVELOP AND UPDATE EDUCATIONAL MATERIALS AVAILABLE TO SERVICEMEMBERS NATIONWIDE, MILITARY DEPENDENTS, AND THE VETERAN COMMUNITY TO ADDRESS AND IMPROVE FINANCIAL READINESS THROUGH THE RESPONSIBLE USE OF CREDIT. PROGRAM UTILIZES THE SHARPEN YOUR FINANCIAL FOCUS INITIATIVE. CONTINUE SUPPORT AND DEVELOPMENT OF NATIONAL COALITION OF MISSION-ALIGNED ORGANIZATIONS TO SUPPORT MILITARY FINANCIAL EDUCATION.

	(Code: ) (Expenses $ 311,662 including grants of $ 151,924 ) (Revenue $ 14,918 )
	STUDENT LOANS COUNSELING: PROVIDE A NATIONAL STUDENT LOAN PROGRAM TO TRAIN AND SUPPORT MEMBER AGENCIES IN COUNSELING CLIENTS WITH STUDENT LOAN DEBT TO REDUCE AND MANAGE THEIR FINANCIAL BURDEN AND HELP THEM ON A PATH TO FINANCIAL SECURITY.

	(Code: ) (Expenses $ 223,650 including grants of $ 168,041 ) (Revenue $ )
	HISPANIC FINANCIAL EDUCATION: MAKE AVAILABLE EDUCATIONAL MATERIALS AND SUPPORT TO MEMBER AGENCIES AND CONSUMERS TO ASSIST THE HISPANIC COMMUNITY WITH FINANCIAL LITERACY EDUCATION AND BY ADDRESSING THEIR RESPONSIBLE USE OF CREDIT USING THE SHARPEN YOUR FINANCIAL FOCUS INITIATIVE. COUNSELING IN SPANISH AND BILINGUAL EDUCATION MATERIALS ARE AVAILABLE. DEVELOP AND MAINTAIN PARTNERSHIPS WITH OTHER NATIONAL ORGANIZATIONS.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ 1,592,129 including grants of $ 1,075,224 ) (Revenue $ 2,004,008 )
4e	Total program service expenses6,380,706

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)		(D) Reportable compensation from the organization (W-2/1099-MISC)	(E) Reportable compensation from related organizations (W-2/1099-MISC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and title
(18) ELLEN GOURY........................................................................ VP, FINANCE	50.00 .......................	X	138,037	0	34,749
(19) SHERRILL BERK........................................................................ SVP, STRATEGIC PARTNERSHIPS	50.00 .......................	X	138,827	0	21,504
(20) MATT RIBE........................................................................ GEN. COUNSEL & STRATEGIC PROJECTS	50.00 .......................	X	133,727	0	24,377
(21) BRUCE MCCLARY........................................................................ VP,COMMUNICATIONS	50.00 .......................	X	120,391	0	13,323

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)...........	1,442,249	0	367,753

1	Briefly describe the organization’s mission or most significant activities: THE NFCC MISSION IS TO SUPPORT THE NONPROFIT CREDIT COUNSELING FIELD. (SEE FULL MISSION ON SCH O)
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	14
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	14
5	Total number of individuals employed in calendar year 2019 (Part V, line 2a) ......	5	0
6	Total number of volunteers (estimate if necessary) .............	6	14
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, line 39 .........	7b	0

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c
d	Related organizations		1d
e	Government grants (contributions)		1e	1,000,081

f	All other contributions, gifts, grants, and similar amounts not included above		1f	5,452,557

g	Noncash contributions included in lines 1a - 1f:$		1g

h Total. Add lines 1a-1f.......		6,452,638

		Business Code
2a	NATIONAL LOCATOR LINE	900099	1,625,132	1,625,132
b	MEMBERSHIP DUES	900099	950,446	950,446
c	SPONSORSHIPS	900099	243,500	243,500
d	FEE FOR SERVICE INCOME	900099	182,345	182,345
e	CERTIFICATION FEES	900099	154,660	154,660
f	All other program service revenue.		142,088	142,088
g	Total. Add lines 2a–2f .....		3,298,171

3 Investment income (including dividends, interest, and othersimilar amounts) ......			14,994			14,994
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
		(ii) Personal	(i) Real
6a	Gross rents			6a
b	Less: rental expenses			6b
c	Rental income or (loss)			6c
d	Net rental income or (loss).......
		(ii) Other	(i) Securities
7a	Gross amount from sales of assets other than inventory			7a
b	Less: cost or other basis and sales expenses			7b
c	Gain or (loss)			7c
d	Net gain or (loss).........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..
Business Code			Miscellaneous Revenue
11a	MISCELLANEOUS		900099	5,741			5,741
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			5,741
12	Total revenue. See instructions.....			9,771,544	3,298,171	0	20,735

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	2,104,145	2,104,145
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........	1,016,593	592,671	345,498	78,424
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........	1,581,986	918,215	541,684	122,087
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....
9	Other employee benefits .......	127,932	75,585	42,489	9,858
10	Payroll taxes ...........	161,215	95,336	53,594	12,285
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	181,069	115,342	65,727
c	Accounting ...........	41,000	26,117	14,883
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	473,761	356,223	112,331	5,207
12	Advertising and promotion ....	905,757	905,007	750
13	Office expenses .......	367,418	196,206	170,732	480
14	Information technology ......	449,936	314,607	133,003	2,326
15	Royalties ..
16	Occupancy ...........	362,472	210,386	124,113	27,973
17	Travel ............	200,671	164,384	28,611	7,676
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	84,234	81,139		3,095
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	83,366	52,739	24,560	6,067
23	Insurance ...
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	FEE FOR SERVICE	135,121	135,121
b	DUES & SUBSCRIPTIONS	51,963	21,297	28,485	2,181
c	ONLINE EDUCATION	12,740	12,740
d	TAXES	4,790	3,051	1,739
e	All other expenses	806	395	399	12
25	Total functional expenses. Add lines 1 through 24e	8,346,975	6,380,706	1,688,598	277,671
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........				1
2	Savings and temporary cash investments .........			3,163,825	2	1,924,840
3	Pledges and grants receivable, net ......			1,267,748	3	3,394,440
4	Accounts receivable, net .............			195,481	4	403,837
5	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
					5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
					6
7	Notes and loans receivable, net ...........				7
8	Inventories for sale or use ............			14,954	8	10,052
9	Prepaid expenses and deferred charges ......			317,798	9	304,137
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	1,449,443
b	Less: accumulated depreciation	10b	1,216,905	193,545	10c	232,538
11	Investments—publicly traded securities .				11
12	Investments—other securities. See Part IV, line 11 .....				12
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............				14
15	Other assets. See Part IV, line 11 ...........			319,126	15	140,775
16	Total assets. Add lines 1 through 15 (must equal line 33)...			5,472,477	16	6,410,619

17	Accounts payable and accrued expenses .....	312,294	17	109,858
18	Grants payable ...	939,566	18	737,159
19	Deferred revenue .........		19
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	238,887	25	157,303
26	Total liabilities. Add lines 17 through 25..	1,490,747	26	1,004,320

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........	1,004,567	27	1,321,363
28	Net assets with donor restrictions ...........	2,977,163	28	4,084,936
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....		29
30	Paid-in or capital surplus, or land, building or equipment fund ...		30
31	Retained earnings, endowment, accumulated income, or other funds		31
32	Total net assets or fund balances ...........	3,981,730	32	5,406,299
33	Total liabilities and net assets/fund balances ........	5,472,477	33	6,410,619