Star Kids Scholarship Program

Tax-deductible

New Bedford, MA501(c)(3)EducationEIN 27-0372266

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To provide educational opportunities in the form of tuition aid to effective non-public schools, uniforms, after-school and summer programs, tutoring and mentoring for those high-risk, low-income children who have a parent with a history of incarceration and/or substance abuse.

501(c)(3) charity; gifts are tax-deductible.
73¢ of each $1 spent went to programs.
$116K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $208K a year · 24% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
73%
of spending
Fine: 73% of spending went to programs; 65% to 75%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$116K
to officers and key staff · 11% of spending
Top officer’s pay lower than 58% of similar orgs
Looks good: pay to officers and key staff is 11% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
16 mo
of spending, in cash
Looks good: 16.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
4
named funders · $76K
Looks good: 4 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$37K
2% of total assets
Looks good: liabilities are 2% of assets; 50% or less.
Pt X · Ln 26
Independent board members
16
of 16 voting members
Looks good: 16 of 16 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.1M
-39% vs prior year
Spent
$1.1M
To programs
73%
Net assets
$1.5M
By yearFY2020–FY2025
Revenue
$1.1M
FY2025▼ -39%
Revenue by fiscal year
FY2020$470K
FY2021$559K
FY2022$591K
FY2023$794K
FY2024$1.8M
FY2025$1.1M
Expenses
$1.1M
FY2025▲ +24%
Expenses by fiscal year
FY2020$423K
FY2021$425K
FY2022$545K
FY2023$708K
FY2024$860K
FY2025$1.1M
Net assets
$1.5M
FY2025▲ +5%
Net assets by fiscal year
FY2020$237K
FY2021$399K
FY2022$430K
FY2023$515K
FY2024$1.4M
FY2025$1.5M

From the FY2025 Form 990 (year ending June 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Mar 2010.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

73 cents of each dollar spent went to programs.

Program services 73% · $783K Management & general 12% · $126K Fundraising 15% · $161K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

17 people listed on the 990; $116K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
President
$115,726Pt VII · Sec A
$0Pt VII · Sec A
Vice Chair
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A

Josh Pacos’s $116K as President is at the 42nd percentile of top reported officer pay among 3394 $1–10M education nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 3 named individuals · Part VII

NameFY2025FY2024FY2022FY2021FY2020
Josh Pacos$115,726————
Ellen Lough—$76,813———
Ellen M Lough——$72,025$65,545$63,642

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Star Kids Scholarship Program executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers educational aid, programs, and mentoring to at-risk children with incarcerated or substance-abusing parents.

Provided by the organization

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1 program service account for $783K of program spending, described in the organization's own filed words · FY2024.
01

The program provided financial assistance and personal support to students.

$783Kprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
See all 4 funders →

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$1.1M
Ln 12
Gifts and grantsLn 1h$950K
Other incomeLn 4–11$116K
Investment incomeLn 3$16K
Money outPt IX
$1.1M
Ln 25
Programscol B$783K
Managementcol C$126K
Fundraisingcol D$161K
Owns and owesPt X
$1.5M
net assets · Ln 32
Cash and savingsLn 1–2$1.4M
Total assetsLn 16$1.6M
LiabilitiesLn 26$37K
PeoplePt VI, VII
17
listed · VII A
PaidVII A1
Voting boardVI 1a16
IndependentVI 1b16
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$950K
Investment incomeLn 3$16K
Other incomeLn 4–11$116K
Total revenueLn 12$1.1M
Assets in detailPt X, end of year
CashLn 1$382K
SavingsLn 2$1.1M
Cash and savings togetherLn 1–2$1.4M
InvestmentsLn 11–13$114K
Land, buildings, equipmentLn 10c$381
Total assetsLn 16$1.6M
LiabilitiesLn 26$37K
Net assetsLn 32$1.5M
OperationsPt I, VI
EmployeesI 55
VolunteersI 60
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$1.4M$1.4M
InvestmentsLn 11–13$108K$114K
Land, buildings, equipmentLn 10c$593$381
Total assetsLn 16$1.5M$1.6M
LiabilitiesLn 26$21K$37K
Net assetsLn 32$1.4M$1.5M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$257K$117K$65K$75K
Other employee benefitsLn 9$19K$5K$10K$3K
Payroll taxesLn 10$20K$8K$7K$5K
Other fees for servicesLn 11g$2K$588$949
Office expensesLn 13$8K$3K$4K$2K
Information technologyLn 14$9K$60$659$8K
OccupancyLn 16$18K$8K$5K$5K
TravelLn 17$5K$5K
Conferences, conventions and meetingsLn 19$397$66$331
Depreciation, depletion and amortizationLn 22$212$212
InsuranceLn 23$32$32
Other expenses (24a–d)Ln 24$728K$639K$28K$61K
All other expensesLn 24e$4K$3K$1K$170
Total functional expensesLn 25$1.1M$783K$126K$161K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $1.1M$1.1M$12K$1.5M 990 PDF
FY2024 $1.8M$860K$922K$1.4M 990 PDF
FY2023 $794K$708K$86K$515K 990 PDF
FY2022 $591K$545K$46K$430K 990 PDF
FY2021 $559K$425K$134K$399K 990 PDF
FY2020 $470K$423K$48K$237K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $1,081,909 across 5 lines filed
VIII-1f All other contributions, gifts and grants$950,134
VIII-1h Total contributions, gifts and grants$950,134
VIII-3 Investment incomeExcluded from tax $15,697$15,697
VIII-8 Net income from fundraising eventsExcluded from tax $116,078$116,078
VIII-12 Total revenueRelated to mission $0 · Unrelated business $0 · Excluded from tax $131,775$1,081,909
Part IX · Statement of functional expenses $1,069,809 across 13 lines filed
IX-7 Other salaries and wagesPrograms $116,938 · Management $64,865 · Fundraising $75,277$257,080
IX-9 Other employee benefitsPrograms $5,252 · Management $10,363 · Fundraising $3,380$18,995
IX-10 Payroll taxesPrograms $8,309 · Management $6,535 · Fundraising $5,338$20,182
IX-11g Other fees for servicesManagement $588 · Fundraising $949$1,537
IX-13 Office expensesPrograms $2,542 · Management $3,746 · Fundraising $1,976$8,264
IX-14 Information technologyPrograms $60 · Management $659 · Fundraising $7,825$8,544
IX-16 OccupancyPrograms $8,190 · Management $4,669 · Fundraising $5,271$18,130
IX-17 TravelManagement $4,917$4,917
IX-19 Conferences, conventions and meetingsPrograms $66 · Management $331$397
IX-22 Depreciation, depletion and amortizationManagement $212$212
IX-23 InsuranceManagement $32$32
IX-24 Other expenses (24a–d)Programs $638,827 · Management $27,712 · Fundraising $61,021$727,560
IX-24e All other expensesPrograms $2,580 · Management $1,209 · Fundraising $170$3,959
IX-25 Total functional expensesPrograms $782,764 · Management $125,838 · Fundraising $161,207$1,069,809
Part X · Balance sheet $1,551,908 assets, 10 lines filed
X-1 Cash, non-interest-bearingStart of year $1,359,889$381,694
X-2 Savings and temporary cash investmentsStart of year $0$1,055,767
X-10c Land, buildings and equipment, netStart of year $593$381
X-12 Other securitiesStart of year $108,162$114,066
X-16 Total assetsStart of year $1,468,644$1,551,908
X-17 Accounts payable and accrued expensesStart of year $21,251$36,622
X-26 Total liabilitiesStart of year $21,251$36,622
X-27 Net assets without donor restrictionsStart of year $1,447,393$1,515,286
X-32 Total net assets or fund balancesStart of year $1,447,393$1,515,286
X-33 Total liabilities and net assetsStart of year $1,468,644$1,551,908
Part XI · Reconciliation of net assets $1,515,286 net assets at year end
XI-1 Total revenue$1,081,909
XI-2 Total expenses$1,069,809
XI-3 Revenue less expenses$12,100
XI-4 Net assets at start of year$1,447,393
XI-5 Net unrealized gains (losses) on investments$55,793
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$1,515,286

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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