2025-11-02T03:06:23-00:00 2024-12-31 462360134 Richard N GInnis CPA PO Box 30081 Seattle WA 98113 990 2024-01-01 912061723 Consumer Education and Training Services CONS 2062677017 PMB 215 10002 Aurora Ave N APT 36 Seattle WA 98133 Kern Gillette Treasurer 2062677017 2025-11-02 true Richard N Ginnis P01214500 2067836588 2025-11-02 X 2024 2025-03-06 01:10:19Z Kern Gillette 2815 Eastlake Ave East STE 300 Seattle WA 98102 317141 false X www.centsprogram.com X 2000 WA Consumer bankruptcy education 29 29 2 0 323017 246374 0 1602 7983 35186 49194 359805 303551 0 0 200763 226721 0 0 74562 47464 275325 274185 84480 29366 429539 509218 45983 96295 383556 412923 X CENTS is a financial education nonprofit organization with a mission of helping people to improve their financial health. In 1995, CENTS was founded by the Honorable Karen A. Overstreet, the first women bankruptcy judge in the history of Washington, and veteran attorneys and financial professionals. All of CENTS programs are provided free-of-charge false false 157888 DEBT SLAPPED CENTS designed a financial education curriculum to help high school students obtain critical information so they can make informed decisions about postsecondary education or training, The curriculum was used as the centerpiece of the statewide Student Loan Awareness Month SLAM campaign, which received a proclamation from Governor Jay Inslee. In the 2023-24 academic year, CENTS provided 84 Debt Slapped classes accross the state, focusing on areas with higher percentages of Latino/Latina/Latinix students, while enhancing the curriculum. www.debtslapped.org. 5048 SENIOR MONEY CENTS partnered with Washington State Attorney General Bob Ferguson to create a project to help senior citizens identify and avoid scams. The project consists of in-person and virtual presentations educational videos articles written for the newsletters of senior citizens and further resources. CENTS wrote six articles and delivered two in-person presentions in 2024. www.seniormoneyproject.org. 20624 183560 true true false false false false false false false false true 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 true 5 0 true 2 true false false false false false false false false false false false false false 29 29 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 185000 0 19541 Sandra Jones Director 001.00 X 0 0 0 Jennifer Aspaas Director 001.00 X 0 0 0 David Neu Director 001.00 X 0 0 0 Brian Free Director 001.00 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 Todd Tracy Director 001.00 X 0 0 0 David Papiez Director and Secretary 002.00 X X 0 0 0 James Zack Director 001.00 X 0 0 0 Jane Pearson Director 001.00 X 0 0 0 Alicia Thomas Director 001.00 X 0 0 0 Hilary Mohr Director 001.00 X 0 0 0 Aditi Paranjpye Director 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 Dan Youngblut Director Vice President 002.00 X 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 Christy Tobin-Presser Director 001.00 X 0 0 0 185000 19541 1 false true false 33513 85000 127861 246374 7983 62784 33513 13590 49194 303551 X 0 0 0 0 204541 164677 47951 0 8088 0 0 14092 11346 2746 0 0 4701 4701 0 0 0 150 150 1596 1596 1080 1080 0 0 6642 6642 0 2494 2494 0 0 2916 2916 6105 6105 Merchant Chgs 5010 5010 Program Expenses 7537 7537 Payroll processing 3309 3309 Auto expenses 1991 1991 3933 3933 274185 183560 90624 0 212149 31331 202022 469011 16328 8942 10302 7386 5066 1490 429539 509218 983 1295 45000 95000 45983 96295 X 383556 412923 383556 412923 429539 509218 29366 1 X false false false X 198098 171531 214289 323017 246374 1153309 198098 171531 214289 323017 246374 1153309 11158 1142151 97 13 31 1602 7983 9726 48204 48204 1211239 0.94300 0.95300 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false 16328 8942 7386 7386 Financial derivatives and other financial products Closely-held equity interests Federal income taxes X false Annual dinner gala 89188 33513 55675 10112 3478 Bowling event 7109 7109 96297 33513 62784 10112 3478 13590 49194 false false false false false false Tony Leahy Executive Director 100000 85000 19541 204541 Form 990, Part III, Line 4d Program Service Expenses 1,182, 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 5,585, Grants and allocations 0, Revenue 0 CANCER AND FINANCES RESEARCH CENTS partnered with the Fred Hutchinson Cancer Research Center the Hutch on several human-subjects research projects to study the impact a cancer diagnosis has on the physical, mental, and financial health of patients. The research projects provide the patients and their families with classes, counseling, educational videos and resources to mitigate negative outcomes from a cancer diagnosis and treatment. Form 990, Part III, Line 4d Program Service Expenses 1,719, Grants and allocations 0, Revenue 0 MONEY STEPS CENTS partnered with the U.S. Probation and Pretrial Services to create a financial education reentry program for people who have experienced incarceration. The program consists of classes, educational videos, resources, and a website. Since May of 2023, CENTS has completed 12 in-person class series for people who have experienced incarceration. www.moneystepsproject.org. Form 990, Part III, Line 4d Program Service Expenses 12,138, Grants and allocations 0, Revenue 0 VETERAN FINANCIAL EDUCATION AND LEGAL CLINIC In 2025 CENTS will be launching a program to provide free financial education and legal clinics to U.S.military veterans. The program will consist of classes, digital media, and legal materials and resources. Form 990, Part IX, Line 9 Other changes in net assets, rounding difference, of 1. Ths return is being filed after the due date of May 15, 2025. We request that no penalty be assessed. due to reasonable cause. The organization regularly goes on extension and files by the extension due date of November15. This year, there was a misunderstanding about the extension. We had thought it was filed when it had not been filed. Recently, the IRS sent a letter requesting the tax return. As a result of the letter, we learned that no extension had been filed and we immediately endeavered to complete the accounting and file the return. We understand that the First Time Abate does not apply to tax exempt organizations but please consider that the forms 990 were filed timely for the last 3 years and that the organizations filing record has been very good in the past.