2023-11-13T01:30:46-00:00 2022-12-31 422360134 Richard N GInnis CPA PO Box 30081 Seattle WA 98113 990 2022-01-01 912061723 Consumer Education and Training Services CONS 2062677017 PMB 215 10002 Aurora Ave N APT 36 Seattle WA 98133 Kern Gillette Executive Director 2062677017 2023-11-13 true Kern Gillette XXX-XX-XXXX Richard N Ginnis P01214500 2067836588 2023-11-13 X 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z Kern Gillette 2815 Eastlake Ave East STE 300 Seattle WA 98102 266589 false X www.centsprogram.com X 2000 WA Consumer bankruptcy education 28 28 4 0 99784 214289 71747 0 13 31 57338 39632 228882 253952 0 0 179839 197608 0 0 31292 23319 211131 220927 17751 33025 276555 325804 10504 26728 266051 299076 X CENTS empowers people to improve their financial health by developing educational and legal resources to help them prevent or overcome financial challenges. false false 89391 DEBT SLAPPED Debt Slapped helps high school students obtain critical information so they can make informed decisions about their postsecondary education. CENTS main focus for 2022 was to embark on a Diversity, Equity and Inclusion outreach tour focusing on schools with higher populations of Black, Indigenous and People of Color BIPOC students schools with higher percentages of students eligible for free or reduced lunches and schools in different regions of Washington. CENTS held 108 presentations statewide for students and 15 trainings for educators, reaching over 1,200 students and 80 teachers. The program is effective and well received by both teachers and students. By comparing the pre-assessment tests to the post-assessment tests, students are making significant gains in the knowledge they learn from the presentations. Over 90 of students mark in their evaluations the would recommend our program to a friend. 6434 SENIOR MONEY Senior Money was originally developed with Washington Attorney Bob Ferguson and it helps senior citizens identify and avoid scams. CENTS has pivoted to providing remote presentations at senior centers across Washington and contributing articles to their newsletters. In 2022, CENTS wrote eight monthly articles for the newsletters of several senior centers. 13445 DEBT SLAPPED FOR PARENTS also known as DONT GET DEBT FOR PARENTS/PLANNING FOR HIGHER EDUCATION FOR FAMILIES CENTS partnered with the WA529 to promote CENTS free resource to help parents of K-12 students plan for their childrens future higher education. The program consists of an Activity Workbook, Resource Guide and video. In 2022, CENTS updated the written materials and enhanced its video which will further help parents strategize and plan. 56468 165738 true true false false false false false false false false false false false false false false false false false false false false false true true false false false false true false false false false false false false false false false false false false false false false false false false false false 0 0 true 4 true false false false false false false false false false false false false false false false false 28 28 false false false false false false false true true false false false false false false false false true false false X Kern Gillette 2068493826 2815 Eastlake Avenue E Suite 300 Seattle WA 98102 Tony Leahy Executive Director 060.00 X X 155000 0 0 Sandra Jones President 002.00 X X 0 0 0 Jennifer Aspaas Director 001.00 X X 0 0 0 David Neu Director 001.00 X 0 0 0 Brian Free Director 001.00 X X 0 0 0 Melissa Huelsman Director 001.00 X 0 0 0 John Kaplan Director 001.00 X 0 0 0 William Malaier Director 001.00 X 0 0 0 Hugh McCullough Director 001.00 X 0 0 0 Andrew Morton Director 001.00 X 0 0 0 Todd Tracy Director 001.00 X 0 0 0 Christian Weinmann Director 001.00 X 0 0 0 Michelle Kaplan Director 001.00 X 0 0 0 Garrett Sloan Director 001.00 X 0 0 0 James Zack President 002.00 X X 0 0 0 Anthony Neupert Treasurer 002.00 X X 0 0 0 Alicia Thomas Director 001.00 X 0 0 0 Hilary Mohr Director 001.00 X 0 0 0 Aditi Paranjpye Vice President 002.00 X X 0 0 0 Vincente Barraza Director 001.00 X 0 0 0 Thomas Buford Director 001.00 X 0 0 0 Kern Gillette Treasurer 002.00 X X 0 0 0 Dan Hagen Director 001.00 X 0 0 0 Ella Vincent Director 001.00 X 0 0 0 Dan Youngblut Director 001.00 X 0 0 0 Latife Neu Director 001.00 X 0 0 0 Will Corbit Director 001.00 X 0 0 0 Fayre Rasch Director 001.00 X 0 0 0 Mallory Satre Director 001.00 X 0 0 0 155000 1 false true false 44034 102000 68255 214289 31 52269 44034 12637 39632 253952 0 0 0 0 172482 150565 21917 0 11335 11335 0 350 350 13441 11733 1708 3082 3082 0 0 0 0 3440 3440 333 333 2159 2159 392 392 0 0 5251 5251 0 436 436 0 0 0 4157 4157 Merchant Chgs 2638 2638 Website costs 992 992 439 439 220927 165738 55189 0 150715 200123 125404 125416 436 265 276555 325804 504 728 16000 10000 10000 10504 26728 X 266051 299076 266051 299076 276555 325804 33025 X false false false X 111134 197520 198098 99784 214289 820825 71747 71747 111134 197520 198098 171531 214289 892572 5283 887289 241 302 97 13 31 684 48204 48204 941460 0.94250 0.94130 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X false Gala 86068 44034 42034 12637 CLE Event 10236 10236 96304 44034 52270 12637 12637 39633 true X false false false false false false false false false Tony Leahy Executive Director 90000 65000 20500 175500 Form 990, Part III, Line 4d Program Service Expenses 35,821, Grants and allocations 0, Revenue 0 FINANCIAL PLANNING FOR CANCER PATIENTS CENTS continued its partnership with the Fred Hutchinson Cancer Research Center on two human subjects research studies to minimize the negative financial impacts that can accompany a cancer diagnosis. We want to assist the patients in the study and we hope our findings will lead to a program that can be scaled up at various locations to help additional patients. CENTS has helped over 30 patients through these studies so far. Form 990, Part III, Line 4d Program Service Expenses 672, Grants and allocations 0, Revenue 0 DEBT CLINIC The Debt Clinic has continued to offer telephonic or remote assistance. CENTS helps recruit and train the volunteer attorneys for the King County Bar Associations Debt Clinic, which provides people the opportunity to speak to an experienced bankruptcy attorney free-of-charge for 30 minutes. In a typical year, the Debt Clinic helps approximately 500 people obtain pro bono legal advice. Form 990, Part III, Line 4d Program Service Expenses 18,054, Grants and allocations 0, Revenue 0 STUDENT LOAN DEBT NAVIGATION EVENTS In 2022, CENTS provided a Student Loan Debt Navigation Event SDNE to 30 teachers and a second to over 50 employees of the King County Development Disabilities and Early Childhood Supports Division. CENTS also provided a third training in Whatcom County to 25 community providers. The SLDNEs help people better manage their exisiting student loan debt. CENTS has also created a video of the presentation and placed it on a YOUTube channel, which is accessible on CENTS website. Form 990, Part III, Line 4d Program Service Expenses 1,921, Grants and allocations 0, Revenue 0 MONEY STEPS CENTS provided eight classes in 2022 for Pallet Shelters. Many of Pallet Shelters employees have experienced incarceration and/or addiction challenges. CENTS classes were aimed to empower the employees to take control of their financial situation.